Best SBA 7(a) lenders for all other personal services
NAICS 812990 — All Other Personal Services.
2,781 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $926.6M.
Loans
2,781
Total $
$926.6M
Avg loan
$333K
Avg rate
9.39%
Avg term
130 mo
Industry chg-off rate
2.83%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 304 | $52.4M | $172K | 8.78% | 2.00% |
| 2 | Readycap Lending, LLC | 171 | $27.3M | $160K | 12.68% | 16.00% |
| 3 | Wells Fargo Bank National Association | 138 | $10.8M | $79K | 11.32% | 4.08% |
| 4 | BayFirst National Bank | 129 | $19.9M | $154K | 11.53% | 3.85% |
| 5 | Northeast Bank | 124 | $16.2M | $131K | 11.05% | — |
| 6 | TD Bank, National Association | 122 | $5.1M | $42K | 11.46% | 14.29% |
| 7 | U.S. Bank, National Association | 84 | $24.2M | $288K | 7.75% | 0.00% |
| 8 | Manufacturers and Traders Trust Company | 73 | $6.5M | $89K | 10.95% | 6.25% |
| 9 | Live Oak Banking Company | 70 | $66.8M | $954K | 8.41% | 0.00% |
| 10 | Cadence Bank | 70 | $19.8M | $283K | 9.56% | 3.13% |
| 11 | Newtek Bank, National Association | 56 | $16.0M | $285K | 12.05% | 0.00% |
| 12 | JPMorgan Chase Bank, National Association | 40 | $7.9M | $197K | 11.21% | 13.33% |
| 13 | Newtek Small Business Finance, Inc. | 39 | $8.0M | $204K | 7.44% | 0.00% |
| 14 | Celtic Bank Corporation | 38 | $9.0M | $236K | 10.18% | 9.09% |
| 15 | CDC Small Business Finance Corp. | 25 | $3.5M | $142K | 10.69% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 812990. Charge-off rates are calculated on the FY2020–FY2023 cohort only.