Best SBA lenders
Best SBA lenders for Retail Trade
The SBA lenders that fund the most Retail Trade businesses, ranked by funded volume with each lender's charge-off track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
Live Oak Banking Company funds the most SBA volume in Retail Trade. Charge-off rates below are each lender's overall rate across all of its loans, as a track-record signal.
| # | Lender | Volume in Retail Trade | Charge-off |
|---|---|---|---|
| 1 | Live Oak Banking Company | $1.2B | 0.3% |
| 2 | The Huntington National Bank | $1.1B | 1.3% |
| 3 | Celtic Bank Corporation | $967.6M | 1.3% |
| 4 | Metro City Bank | $916.3M | 0.1% |
| 5 | Readycap Lending, LLC | $841.6M | 0.9% |
| 6 | Mortgage Capital Development Corporation | $748.1M | 0.1% |
| 7 | Byline Bank | $668.0M | 0.9% |
| 8 | U.S. Bank, National Association | $549.9M | 2.2% |
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Method and disclaimer. Ranked by funded SBA volume in
Retail Trade from the public FOIA 7(a) and 504 data (as of 2026-03-31); see our
methodology. SBA Loan Index is
not affiliated with the SBA and is not a lender, broker, or financial advisor.