How much do SBA lenders typically lend to a custom computer programming services business?

The median SBA approval in NAICS 541511 is $150,000, with the middle 80% of loans between $20,000 and $854,000. Across all industries the median is $180,000.

Which lenders are most active in custom computer programming services?

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

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 5.5% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 541511 · Professional Services

SBA loans for custom computer programming services

5,171 SBA loans worth $1.81B have been approved in this industry since FY2010 - the #45 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$20K-$854K

Middle 80%

Median rate

7.50%

7(a) initial note rate

Median term

10 yr

Charge-off rate

5.5%

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
Newtek Bank	253	$107.0M
The Huntington National Bank	260	$87.0M
JPMorgan Chase Bank	447	$76.4M
Wells Fargo Bank	397	$75.8M
U.S. Bank	351	$63.3M
Bank of America	156	$50.2M
Truist Bank	79	$49.5M
BayFirst National Bank	188	$41.2M
Live Oak Banking Company	31	$34.9M
Manufacturers and Traders Trust Company	257	$34.0M

Geography

Where these loans were made

State	Loans	Share
California	756
Texas	373
New York	348
Florida	297
New Jersey	240
Virginia	228
Maryland	217
Ohio	209

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
24%
$50K - $150K
25%
$150K - $350K
25%
$350K - $1M
18%
$1M - $2M
5%
Over $2M
3%

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 Other Computer Related Services4,654 · $160,000 Computer Systems Design Services4,466 · $118,000

Common questions

How much do SBA lenders typically lend to a custom computer programming services business?: The median SBA approval in NAICS 541511 is $150,000, with the middle 80% of loans between $20,000 and $854,000. Across all industries the median is $180,000.
Which lenders are most active in custom computer programming services?: By dollars approved: Newtek Bank, The Huntington National Bank, JPMorgan Chase Bank, Wells Fargo Bank, U.S. 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 custom computer programming services considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 5.5% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

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