Best SBA 7(a) lenders for child and youth services
NAICS 624110 — Child and Youth Services.
281 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $157.4M.
Loans
281
Total $
$157.4M
Avg loan
$560K
Avg rate
8.91%
Avg term
153 mo
Industry chg-off rate
0.00%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 34 | $9.4M | $276K | 8.95% | 0.00% |
| 2 | Northeast Bank | 10 | $1.3M | $130K | 10.93% | — |
| 3 | Wells Fargo Bank National Association | 9 | $2.4M | $267K | 9.83% | 0.00% |
| 4 | Readycap Lending, LLC | 9 | $2.9M | $320K | 11.53% | 0.00% |
| 5 | Newtek Bank, National Association | 8 | $4.1M | $518K | 11.25% | 0.00% |
| 6 | TD Bank, National Association | 8 | $7.3M | $918K | 9.29% | 0.00% |
| 7 | Harvest Small Business Finance, LLC | 8 | $7.4M | $929K | 8.03% | 0.00% |
| 8 | JPMorgan Chase Bank, National Association | 6 | $913K | $152K | 10.75% | 0.00% |
| 9 | Live Oak Banking Company | 6 | $13.8M | $2.3M | 7.97% | 0.00% |
| 10 | Cadence Bank | 5 | $1.4M | $272K | 10.20% | 0.00% |
| 11 | Bank Five Nine | 5 | $1.7M | $344K | 9.70% | — |
| 12 | Manufacturers and Traders Trust Company | 5 | $125K | $25K | 12.60% | 0.00% |
| 13 | BMO Bank National Association | 4 | $3.1M | $764K | 7.09% | 0.00% |
| 14 | Pentucket Bank | 4 | $490K | $123K | 9.63% | — |
| 15 | KeyBank National Association | 4 | $767K | $192K | 7.81% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 624110. Charge-off rates are calculated on the FY2020–FY2023 cohort only.