How much do SBA lenders typically lend to a security guards and patrol services business?

The median SBA approval in NAICS 561612 is $125,000, with the middle 80% of loans between $15,200 and $633,000. Across all industries the median is $180,000.

Which lenders are most active in security guards and patrol services?

By dollars approved: Newtek Bank, Newtek Small Business Finance, Inc., Wells Fargo Bank, JPMorgan Chase 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 security guards and patrol services considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.0% 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 561612 · Administrative & Waste

SBA loans for security guards and patrol services

1,053 SBA loans worth $310.7M have been approved in this industry since FY2010 - the #196 most-financed NAICS code in the country.

Median loan

$125,000

-31% vs all industries

Typical range

$15K-$633K

Middle 80%

Median rate

8.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

10.0%

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	63	$31.1M
Newtek Small Business Finance, Inc.	13	$13.2M
Wells Fargo Bank	80	$13.1M
JPMorgan Chase Bank	89	$11.4M
U.S. Bank	51	$10.3M
Columbia Bank	21	$9.9M
Regions Bank	13	$9.8M
Business Finance Capital	3	$8.4M
CDC Small Business Finance Corp.	15	$7.8M
City National Bank	7	$7.4M

Geography

Where these loans were made

State	Loans	Share
California	228
Texas	96
Florida	79
New York	70
Puerto Rico	47
Maryland	34
Illinois	32
Ohio	32

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
27%
$50K - $150K
25%
$150K - $350K
25%
$350K - $1M
17%
$1M - $2M
5%
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 security guards and patrol services business?: The median SBA approval in NAICS 561612 is $125,000, with the middle 80% of loans between $15,200 and $633,000. Across all industries the median is $180,000.
Which lenders are most active in security guards and patrol services?: By dollars approved: Newtek Bank, Newtek Small Business Finance, Inc., Wells Fargo Bank, JPMorgan Chase 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 security guards and patrol services considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.0% 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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