Best SBA 7(a) lenders for pet care (except veterinary) services
NAICS 812910 — Pet Care (except Veterinary) Services.
2,865 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $1.41B.
Loans
2,865
Total $
$1.41B
Avg loan
$492K
Avg rate
8.82%
Avg term
152 mo
Industry chg-off rate
1.29%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 468 | $109.8M | $235K | 9.36% | 2.83% |
| 2 | Live Oak Banking Company | 156 | $197.4M | $1.3M | 7.77% | 1.12% |
| 3 | First Financial Bank | 92 | $108.9M | $1.2M | 7.78% | 0.00% |
| 4 | TD Bank, National Association | 82 | $12.3M | $149K | 10.59% | 5.56% |
| 5 | Readycap Lending, LLC | 76 | $38.4M | $505K | 10.91% | 0.00% |
| 6 | Newtek Bank, National Association | 76 | $21.1M | $278K | 11.67% | 0.00% |
| 7 | Manufacturers and Traders Trust Company | 73 | $5.4M | $75K | 10.26% | 5.00% |
| 8 | Wells Fargo Bank National Association | 70 | $33.9M | $484K | 9.28% | 1.96% |
| 9 | Northeast Bank | 64 | $6.1M | $95K | 10.93% | 0.00% |
| 10 | First Bank of the Lake | 62 | $51.4M | $829K | 9.65% | 3.70% |
| 11 | U.S. Bank, National Association | 57 | $22.2M | $390K | 8.23% | 3.03% |
| 12 | KeyBank National Association | 51 | $22.7M | $445K | 8.81% | 0.00% |
| 13 | BayFirst National Bank | 48 | $8.5M | $178K | 11.76% | 8.33% |
| 14 | United Midwest Savings Bank National Association | 41 | $6.9M | $168K | 8.63% | 9.52% |
| 15 | Celtic Bank Corporation | 36 | $10.6M | $294K | 9.01% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 812910. Charge-off rates are calculated on the FY2020–FY2023 cohort only.