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SBA Lenders That Actually Fund Retail Businesses

Plenty of lenders say they serve every industry. The loan records say otherwise: some lenders write hundreds of retail loans while others avoid the industry entirely. This ranking is built from what each lender approved, not what it advertises.

Most active lenders in retail

LenderIndustry loans since 2020Median loan (all)Median rateStartup share
The Huntington National Bank3,286$95K9.5%37.6%
TD Bank, National Association1,860$50K10.55%28.7%
U.S. Bank, National Association1,536$45K8.51%32.4%
Wells Fargo Bank National Association1,530$15K9.75%83.7%
Manufacturers and Traders Trust Company1,323$50K10.49%36.7%
BayFirst National Bank1,079$150K12.25%3.2%
Readycap Lending, LLC1,078$150K11.25%18.6%
Celtic Bank Corporation905$150K10.25%20.8%
Newtek Bank, National Association858$200K11.25%17.3%
Northeast Bank782$103K10.75%11.1%
JPMorgan Chase Bank, National Association764$185K10.65%8%
Live Oak Banking Company724$785K8.35%22.4%
United Midwest Savings Bank National Association563$150K9.75%81.2%
KeyBank National Association562$100K9.24%66.3%
Byline Bank498$800K9.5%35.1%
Hanmi Bank495$578K8.5%14%
Mortgage Capital Development Corporation494$744Kn/a4%
Florida Business Development Corporation474$445Kn/a6%
CDC Small Business Finance Corp.453$636Kn/a1.4%
Commonwealth Business Bank453$767K6.75%21%
Granite State Economic Development Corporation427$301Kn/a13.4%
Bank of Hope427$323K8.5%24.2%
JPMorgan Chase Bank, National Association417$640Kn/a1.7%
Lendistry SBLC, LLC415$150K12.25%0.8%
Columbia Bank414$50K11%10.1%

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Sources and limits. Derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records, grouped by NAICS industry classification. Figures describe past lending activity only and are not offers, quotes, or qualification decisions. Big Brain Funding is not a lender and is not affiliated with any lender listed.