How much do SBA lenders typically lend to a advertising agencies business?

The median SBA approval in NAICS 541810 is $150,000, with the middle 80% of loans between $25,000 and $1,160,000. Across all industries the median is $180,000.

Which lenders are most active in advertising agencies?

By dollars approved: Newtek Bank, The Huntington National Bank, Wells Fargo Bank, Live Oak Banking Company, CDC Small Business Finance Corp.. 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 advertising agencies considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.7% 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 541810 · Professional Services

SBA loans for advertising agencies

2,725 SBA loans worth $1.19B have been approved in this industry since FY2010 - the #88 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$25K-$1.2M

Middle 80%

Median rate

7.75%

7(a) initial note rate

Median term

10 yr

Charge-off rate

10.7%

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	125	$60.8M
The Huntington National Bank	131	$57.2M
Wells Fargo Bank	195	$55.2M
Live Oak Banking Company	37	$44.1M
CDC Small Business Finance Corp.	40	$39.4M
JPMorgan Chase Bank	176	$37.2M
U.S. Bank	96	$36.7M
Newtek Small Business Finance, Inc.	43	$33.6M
Mortgage Capital Development Corporation	27	$33.3M
KeyBank	30	$26.3M

Geography

Where these loans were made

State	Loans	Share
California	410
New York	267
Florida	226
Texas	190
Ohio	130
Minnesota	104
Illinois	89
Colorado	80

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
19%
$50K - $150K
24%
$150K - $350K
25%
$350K - $1M
21%
$1M - $2M
6%
Over $2M
5%

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 advertising agencies business?: The median SBA approval in NAICS 541810 is $150,000, with the middle 80% of loans between $25,000 and $1,160,000. Across all industries the median is $180,000.
Which lenders are most active in advertising agencies?: By dollars approved: Newtek Bank, The Huntington National Bank, Wells Fargo Bank, Live Oak Banking Company, CDC Small Business Finance Corp.. 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 advertising agencies considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.7% 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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