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

The median SBA approval in NAICS 541860 is $200,000, with the middle 80% of loans between $33,200 and $1,150,000. Across all industries the median is $180,000.

Which lenders are most active in direct mail advertising?

By dollars approved: Wells Fargo Bank, Regions Bank, The Huntington National Bank, JPMorgan Chase Bank, Truist 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 direct mail advertising considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 13.1% 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 541860 · Professional Services

SBA loans for direct mail advertising

287 SBA loans worth $136.5M have been approved in this industry since FY2010 - the #458 most-financed NAICS code in the country.

Median loan

$200,000

+11% vs all industries

Typical range

$33K-$1.1M

Middle 80%

Median rate

6.15%

7(a) initial note rate

Median term

10 yr

Charge-off rate

13.1%

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	30	$11.1M
Regions Bank	7	$10.7M
The Huntington National Bank	28	$7.5M
JPMorgan Chase Bank	12	$6.1M
Truist Bank	4	$5.1M
SBA CLSC Servicing	1	$4.8M
Fifth Third Bank	2	$4.6M
AMPAC Tri-State CDC, Inc.	3	$4.4M
Beacon Bank and Trust	4	$4.1M
Citizens Bank	3	$4.1M

Geography

Where these loans were made

State	Loans	Share
California	43
Florida	25
Texas	24
Pennsylvania	19
Ohio	16
Michigan	14
Illinois	14
Minnesota	12

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
14%
$50K - $150K
23%
$150K - $350K
31%
$350K - $1M
20%
$1M - $2M
8%
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 direct mail advertising business?: The median SBA approval in NAICS 541860 is $200,000, with the middle 80% of loans between $33,200 and $1,150,000. Across all industries the median is $180,000.
Which lenders are most active in direct mail advertising?: By dollars approved: Wells Fargo Bank, Regions Bank, The Huntington National Bank, JPMorgan Chase Bank, Truist 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 direct mail advertising considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 13.1% 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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