How much do SBA lenders typically lend to a sound recording studios business?

The median SBA approval in NAICS 512240 is $125,000, with the middle 80% of loans between $15,000 and $1,210,500. Across all industries the median is $180,000.

Which lenders are most active in sound recording studios?

By dollars approved: JPMorgan Chase Bank, Empire State Certified Development Corporation, U.S. Bank, Commercial Bank of California, Enterprise Bank & Trust. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

Is sound recording studios considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 13.6% were charged off, versus 7.6% across all SBA lending. That is materially above average, which in practice tends to mean tighter underwriting, more collateral, or a larger equity injection.

NAICS 512240 · Information

SBA loans for sound recording studios

352 SBA loans worth $132.7M have been approved in this industry since FY2010 - the #417 most-financed NAICS code in the country.

Median loan

$125,000

-31% vs all industries

Typical range

$15K-$1.2M

Middle 80%

Median rate

7.75%

7(a) initial note rate

Median term

10 yr

Charge-off rate

13.6%

vs 7.6% all industries

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Most active in this industry

Lender	Loans	Approved
JPMorgan Chase Bank	29	$10.0M
Empire State Certified Development Corporation	5	$9.2M
U.S. Bank	22	$6.1M
Commercial Bank of California	5	$5.7M
Enterprise Bank & Trust	6	$5.6M
Wells Fargo Bank	32	$5.6M
TD Bank	23	$4.8M
Harvest Small Business Finance, LLC	3	$4.5M
Mortgage Capital Development Corporation	3	$4.4M
AMPAC Tri-State CDC, Inc.	3	$4.1M

Geography

Where these loans were made

State	Loans	Share
California	91
New York	53
Texas	17
Illinois	15
Florida	15
Georgia	13
New Jersey	12
Colorado	11

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
28%
$50K - $150K
25%
$150K - $350K
19%
$350K - $1M
16%
$1M - $2M
9%
Over $2M
3%

Nearby

Other information industries

See the sector

Motion Picture and Video Production1,972 · $85,000 Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services1,626 · $157,250 Software Publishers791 · $100,000 All Other Telecommunications552 · $181,000 All Other Information Services418 · $139,200 Motion Picture Theaters381 · $487,900 Internet Publishing and Broadcasting and Web Search Portals371 · $63,200 Periodical Publishers334 · $127,250

Common questions

How much do SBA lenders typically lend to a sound recording studios business?: The median SBA approval in NAICS 512240 is $125,000, with the middle 80% of loans between $15,000 and $1,210,500. Across all industries the median is $180,000.
Which lenders are most active in sound recording studios?: By dollars approved: JPMorgan Chase Bank, Empire State Certified Development Corporation, U.S. Bank, Commercial Bank of California, Enterprise Bank & Trust. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
Is sound recording studios considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 13.6% were charged off, versus 7.6% across all SBA lending. That is materially above average, which in practice tends to mean tighter underwriting, more collateral, or a larger equity injection.

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