How much do SBA lenders typically lend to a home health equipment rental business?

The median SBA approval in NAICS 532291 is $140,000, with the middle 80% of loans between $25,000 and $962,300. Across all industries the median is $180,000.

Which lenders are most active in home health equipment rental?

By dollars approved: KeyBank, The Huntington National Bank, U.S. Bank, East West Bank, Wells Fargo 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 home health equipment rental considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 20.0% 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 532291 · Real Estate

SBA loans for home health equipment rental

89 SBA loans worth $28.9M have been approved in this industry since FY2010 - the #713 most-financed NAICS code in the country.

Median loan

$140,000

-22% vs all industries

Typical range

$25K-$962K

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

7 yr

Charge-off rate

20.0%

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
KeyBank	6	$5.0M
The Huntington National Bank	6	$2.8M
U.S. Bank	2	$2.6M
East West Bank	1	$2.2M
Wells Fargo Bank	3	$1.5M
Zions Bank, A Division of	4	$1.4M
Hyperion Bank	1	$1.4M
TD Bank	1	$1.1M
JPMorgan Chase Bank	5	$904K
Empire State Certified Development Corporation	2	$844K

Geography

Where these loans were made

State	Loans	Share
Texas	15
Ohio	11
Michigan	7
California	5
New York	5
Puerto Rico	4
Missouri	4
Arizona	4

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’20

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
19%
$50K - $150K
34%
$150K - $350K
20%
$350K - $1M
17%
$1M - $2M
7%
Over $2M
3%

Nearby

Other real estate industries

See the sector

Offices of Real Estate Agents and Brokers4,900 · $100,000 Lessors of Miniwarehouses and Self-Storage Units3,561 · $839,000 Lessors of Nonresidential Buildings3,432 · $515,000 Residential Property Managers2,560 · $150,000 Other Activities Related to Real Estate2,207 · $200,000 Other Commercial and Industrial Machinery and Equipment Rental and Leasing1,472 · $282,500 Nonresidential Property Managers705 · $221,000 General Rental Centers690 · $270,000

Common questions

How much do SBA lenders typically lend to a home health equipment rental business?: The median SBA approval in NAICS 532291 is $140,000, with the middle 80% of loans between $25,000 and $962,300. Across all industries the median is $180,000.
Which lenders are most active in home health equipment rental?: By dollars approved: KeyBank, The Huntington National Bank, U.S. Bank, East West Bank, Wells Fargo 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 home health equipment rental considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 20.0% 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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