Best SBA 7(a) lenders for drinking places (alcoholic beverages)
NAICS 722410 — Drinking Places (Alcoholic Beverages).
2,107 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $976.4M.
Loans
2,107
Total $
$976.4M
Avg loan
$463K
Avg rate
8.52%
Avg term
156 mo
Industry chg-off rate
1.37%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 211 | $47.0M | $223K | 8.43% | 3.54% |
| 2 | Newtek Bank, National Association | 72 | $21.9M | $304K | 11.28% | 0.00% |
| 3 | Northeast Bank | 58 | $8.8M | $152K | 10.70% | 0.00% |
| 4 | Manufacturers and Traders Trust Company | 57 | $5.5M | $97K | 10.29% | 8.70% |
| 5 | Readycap Lending, LLC | 47 | $18.8M | $400K | 12.17% | 0.00% |
| 6 | KeyBank National Association | 45 | $12.5M | $279K | 8.88% | 0.00% |
| 7 | Newtek Small Business Finance, Inc. | 43 | $20.0M | $464K | 7.37% | 0.00% |
| 8 | U.S. Bank, National Association | 42 | $8.6M | $204K | 7.79% | 0.00% |
| 9 | United Community Bank | 36 | $22.2M | $616K | 6.97% | 0.00% |
| 10 | TD Bank, National Association | 33 | $8.0M | $244K | 10.46% | 0.00% |
| 11 | Wells Fargo Bank National Association | 29 | $8.9M | $306K | 10.44% | 13.33% |
| 12 | Columbia Bank | 26 | $5.7M | $220K | 9.57% | 0.00% |
| 13 | Zions Bank, A Division of | 23 | $7.4M | $320K | 9.63% | 25.00% |
| 14 | Harvest Small Business Finance, LLC | 22 | $24.7M | $1.1M | 9.10% | 0.00% |
| 15 | Cadence Bank | 20 | $12.1M | $604K | 8.86% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 722410. Charge-off rates are calculated on the FY2020–FY2023 cohort only.