How much do SBA lenders typically lend to a investigation and personal background check services business?

The median SBA approval in NAICS 561611 is $109,000, with the middle 80% of loans between $15,000 and $691,000. Across all industries the median is $180,000.

Which lenders are most active in investigation and personal background check services?

By dollars approved: Newtek Bank, Wells Fargo Bank, Arvest Bank, Fifth Third Bank, Gulf Coast Bank and Trust Company. 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 investigation and personal background check services considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 11.8% 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 561611 · Administrative & Waste

SBA loans for investigation and personal background check services

374 SBA loans worth $96.7M have been approved in this industry since FY2010 - the #403 most-financed NAICS code in the country.

Median loan

$109,000

-39% vs all industries

Typical range

$15K-$691K

Middle 80%

Median rate

7.75%

7(a) initial note rate

Median term

10 yr

Charge-off rate

11.8%

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
Newtek Bank	19	$5.7M
Wells Fargo Bank	38	$5.3M
Arvest Bank	3	$5.2M
Fifth Third Bank	3	$4.9M
Gulf Coast Bank and Trust Company	2	$4.8M
Celtic Bank Corporation	12	$4.1M
U.S. Bank	16	$3.9M
JPMorgan Chase Bank	25	$3.8M
Business Finance Group, Inc.	3	$2.8M
BayFirst National Bank	14	$2.5M

Geography

Where these loans were made

State	Loans	Share
California	49
Florida	39
Texas	30
Illinois	23
New York	17
Ohio	14
Virginia	13
Massachusetts	12

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
29%
$50K - $150K
26%
$150K - $350K
24%
$350K - $1M
15%
$1M - $2M
4%
Over $2M
2%

Nearby

Other administrative & waste industries

See the sector

Landscaping Services15,300 · $80,000 Janitorial Services6,400 · $100,000 Other Services to Buildings and Dwellings3,351 · $125,000 Employment Placement Agencies2,188 · $150,000 Solid Waste Collection1,841 · $176,300 Exterminating and Pest Control Services1,777 · $135,000 Remediation Services1,752 · $156,800 Private Mail Centers1,429 · $250,000

Common questions

How much do SBA lenders typically lend to a investigation and personal background check services business?: The median SBA approval in NAICS 561611 is $109,000, with the middle 80% of loans between $15,000 and $691,000. Across all industries the median is $180,000.
Which lenders are most active in investigation and personal background check services?: By dollars approved: Newtek Bank, Wells Fargo Bank, Arvest Bank, Fifth Third Bank, Gulf Coast Bank and Trust Company. 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 investigation and personal background check services considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 11.8% 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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