How much do SBA lenders typically lend to a financial transactions processing, reserve, and clearinghouse activities business?

The median SBA approval in NAICS 522320 is $250,000, with the middle 80% of loans between $25,000 and $1,813,000. Across all industries the median is $180,000.

Which lenders are most active in financial transactions processing, reserve, and clearinghouse activities?

By dollars approved: U.S. Bank, Newtek Bank, Newtek Small Business Finance, Inc., Paradise Bank, T Bank. 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 financial transactions processing, reserve, and clearinghouse activities considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 11.0% 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 522320 · Finance & Insurance

SBA loans for financial transactions processing, reserve, and clearinghouse activities

280 SBA loans worth $183.1M have been approved in this industry since FY2010 - the #465 most-financed NAICS code in the country.

Median loan

$250,000

+39% vs all industries

Typical range

$25K-$1.8M

Middle 80%

Median rate

6.75%

7(a) initial note rate

Median term

10 yr

Charge-off rate

11.0%

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
U.S. Bank	12	$12.1M
Newtek Bank	16	$9.5M
Newtek Small Business Finance, Inc.	6	$9.2M
Paradise Bank	4	$8.8M
T Bank	4	$8.3M
Commercial Bank of California	4	$7.3M
The Huntington National Bank	13	$7.2M
Readycap Lending, LLC	8	$6.4M
Bank of Hope	2	$5.7M
Metro City Bank	5	$5.4M

Geography

Where these loans were made

State	Loans	Share
California	41
New York	28
Florida	23
Texas	17
Colorado	12
Illinois	12
Utah	12
New Jersey	12

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
16%
$50K - $150K
18%
$150K - $350K
21%
$350K - $1M
21%
$1M - $2M
15%
Over $2M
9%

Nearby

Other finance & insurance industries

See the sector

Insurance Agencies and Brokerages10,623 · $171,000 Investment Advice2,974 · $264,500 Portfolio Management and Investment Advice737 · $250,000 Mortgage and Nonmortgage Loan Brokers493 · $182,000 Miscellaneous Financial Investment Activities411 · $187,500 All Other Insurance Related Activities401 · $100,000 Portfolio Management392 · $225,500 Claims Adjusting254 · $110,500

Common questions

How much do SBA lenders typically lend to a financial transactions processing, reserve, and clearinghouse activities business?: The median SBA approval in NAICS 522320 is $250,000, with the middle 80% of loans between $25,000 and $1,813,000. Across all industries the median is $180,000.
Which lenders are most active in financial transactions processing, reserve, and clearinghouse activities?: By dollars approved: U.S. Bank, Newtek Bank, Newtek Small Business Finance, Inc., Paradise Bank, T Bank. 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 financial transactions processing, reserve, and clearinghouse activities considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 11.0% 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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