How much do SBA lenders typically lend to a interior design services business?

The median SBA approval in NAICS 541410 is $100,000, with the middle 80% of loans between $15,000 and $653,000. Across all industries the median is $180,000.

Which lenders are most active in interior design services?

By dollars approved: Wells Fargo Bank, JPMorgan Chase Bank, U.S. Bank, Newtek Bank, The Huntington National 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 interior design services considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.1% 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 541410 · Professional Services

SBA loans for interior design services

2,337 SBA loans worth $637.6M have been approved in this industry since FY2010 - the #101 most-financed NAICS code in the country.

Median loan

$100,000

-44% vs all industries

Typical range

$15K-$653K

Middle 80%

Median rate

8.25%

7(a) initial note rate

Median term

10 yr

Charge-off rate

10.1%

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
Wells Fargo Bank	202	$31.5M
JPMorgan Chase Bank	173	$23.9M
U.S. Bank	99	$21.1M
Newtek Bank	58	$19.3M
The Huntington National Bank	127	$19.0M
Capital Access Group, Inc.	14	$15.5M
Mortgage Capital Development Corporation	20	$15.5M
Bank of America	33	$15.1M
Readycap Lending, LLC	62	$13.9M
Live Oak Banking Company	12	$13.4M

Geography

Where these loans were made

State	Loans	Share
California	385
New York	227
Florida	184
Texas	165
Massachusetts	101
Ohio	91
Colorado	83
New Jersey	69

Approvals by fiscal year

’10

’11

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’14

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’18

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
27%
$50K - $150K
28%
$150K - $350K
23%
$350K - $1M
16%
$1M - $2M
4%
Over $2M
2%

Nearby

Other professional services industries

See the sector

Offices of Lawyers11,836 · $144,350 All Other Professional, Scientific, and Technical Services8,195 · $200,000 Veterinary Services7,303 · $514,600 Offices of Certified Public Accountants6,420 · $177,000 Engineering Services5,789 · $200,000 Administrative Management and General Management Consulting Services5,634 · $93,000 Custom Computer Programming Services5,171 · $150,000 Other Computer Related Services4,654 · $160,000

Common questions

How much do SBA lenders typically lend to a interior design services business?: The median SBA approval in NAICS 541410 is $100,000, with the middle 80% of loans between $15,000 and $653,000. Across all industries the median is $180,000.
Which lenders are most active in interior design services?: By dollars approved: Wells Fargo Bank, JPMorgan Chase Bank, U.S. Bank, Newtek Bank, The Huntington National 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 interior design services considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.1% 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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