Lender intelligence
Best SBA lenders for a low failure rate (2026)
The bank you pick shapes your odds. These SBA 7(a) lenders have the lowest charge-off rates on the FY2020–23 cohort, from public records. A low failure rate with real volume usually means disciplined underwriting — a tougher approval, and exactly the lender you want behind your deal.
The comparison
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- 1.3,264 loans · $846M · Miami, FLCharge-off rate: 0%Full record →
- 2.291 loans · $320M · Laguna Hills, CACharge-off rate: 0%Full record →
- 3.85 loans · $148M · Los Angeles, CACharge-off rate: 0%Full record →
- 4.9 loans · $10M · Warren, PACharge-off rate: 0%Full record →
- 5.61 loans · $67M · Los Angeles, CACharge-off rate: 0%Full record →
- 6.35 loans · $33M · Providence, RICharge-off rate: 0%Full record →
- 7.23 loans · $15M · Sparta, MICharge-off rate: 0%Full record →
- 8.32 loans · $37M · Champaign, ILCharge-off rate: 0%Full record →
- 9.159 loans · $307M · Garden Grove, CACharge-off rate: 0%Full record →
- 10.9 loans · $13M · Atlanta, GACharge-off rate: 0%Full record →
- 11.29 loans · $28M · Quincy, CACharge-off rate: 0%Full record →
- 12.19 loans · $5M · Columbus, OHCharge-off rate: 0%Full record →
- 13.39 loans · $31M · Duluth, GACharge-off rate: 0%Full record →
- 14.26 loans · $26M · Billings, MTCharge-off rate: 0%Full record →
- 15.11 loans · $7M · Flushing, NYCharge-off rate: 0%Full record →
- 16.23 loans · $25M · Chicago, ILCharge-off rate: 0%Full record →
- 17.12 loans · $14M · Mobile, ALCharge-off rate: 0%Full record →
- 18.19 loans · $4M · Bangor, MECharge-off rate: 0%Full record →
- 19.16 loans · $21M · Las Vegas, NVCharge-off rate: 0%Full record →
- 20.25 loans · $29M · Jersey City, NJCharge-off rate: 0%Full record →