How much do SBA lenders typically lend to a photography studios, portrait business?

The median SBA approval in NAICS 541921 is $47,000, with the middle 80% of loans between $10,000 and $276,000. Across all industries the median is $180,000.

Which lenders are most active in photography studios, portrait?

By dollars approved: Wells Fargo Bank, Newtek Bank, Newtek Small Business Finance, Inc., The Huntington National Bank, First Utah 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 photography studios, portrait considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.8% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 541921 · Professional Services

SBA loans for photography studios, portrait

1,366 SBA loans worth $180.7M have been approved in this industry since FY2010 - the #160 most-financed NAICS code in the country.

Median loan

$47,000

-74% vs all industries

Typical range

$10K-$276K

Middle 80%

Median rate

8.25%

7(a) initial note rate

Median term

9.8 yr

Charge-off rate

8.8%

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	145	$11.8M
Newtek Bank	70	$9.4M
Newtek Small Business Finance, Inc.	16	$7.9M
The Huntington National Bank	87	$7.0M
First Utah Bank	3	$6.6M
U.S. Bank	82	$6.3M
Firstrust Savings Bank	1	$4.9M
Georgia Banking Company	1	$4.5M
JPMorgan Chase Bank	88	$4.5M
Mortgage Capital Development Corporation	6	$4.1M

Geography

Where these loans were made

State	Loans	Share
California	179
New York	115
Texas	102
Ohio	77
Illinois	75
Florida	69
Massachusetts	59
Utah	41

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
51%
$50K - $150K
26%
$150K - $350K
15%
$350K - $1M
7%
$1M - $2M
1%
Over $2M
1%

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 photography studios, portrait business?: The median SBA approval in NAICS 541921 is $47,000, with the middle 80% of loans between $10,000 and $276,000. Across all industries the median is $180,000.
Which lenders are most active in photography studios, portrait?: By dollars approved: Wells Fargo Bank, Newtek Bank, Newtek Small Business Finance, Inc., The Huntington National Bank, First Utah 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 photography studios, portrait considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.8% were charged off, versus 7.6% across all SBA lending. That is close to average.

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