How much do SBA lenders typically lend to a janitorial services business?

The median SBA approval in NAICS 561720 is $100,000, with the middle 80% of loans between $15,000 and $531,000. Across all industries the median is $180,000.

Which lenders are most active in janitorial services?

By dollars approved: The Huntington National Bank, Wells Fargo Bank, United Midwest Savings Bank, Live Oak Banking Company, 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 janitorial services considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 11.0% 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 561720 · Administrative & Waste

SBA loans for janitorial services

6,400 SBA loans worth $1.44B have been approved in this industry since FY2010 - the #34 most-financed NAICS code in the country.

Median loan

$100,000

-44% vs all industries

Typical range

$15K-$531K

Middle 80%

Median rate

8.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

11.0%

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
The Huntington National Bank	553	$81.6M
Wells Fargo Bank	436	$81.5M
United Midwest Savings Bank	334	$52.0M
Live Oak Banking Company	80	$51.8M
U.S. Bank	308	$43.7M
Byline Bank	41	$42.4M
JPMorgan Chase Bank	300	$40.7M
Newtek Bank	143	$32.3M
TD Bank	364	$30.9M
Readycap Lending, LLC	134	$25.7M

Geography

Where these loans were made

State	Loans	Share
California	629
Florida	539
Texas	458
New York	335
Massachusetts	332
Ohio	328
Illinois	238
Pennsylvania	234

Approvals by fiscal year

’10

’11

’12

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’14

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’16

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’20

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
30%
$50K - $150K
27%
$150K - $350K
26%
$350K - $1M
14%
$1M - $2M
3%
Over $2M
1%

Nearby

Other administrative & waste industries

See the sector

Landscaping Services15,300 · $80,000 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 Carpet and Upholstery Cleaning Services1,365 · $100,000

Common questions

How much do SBA lenders typically lend to a janitorial services business?: The median SBA approval in NAICS 561720 is $100,000, with the middle 80% of loans between $15,000 and $531,000. Across all industries the median is $180,000.
Which lenders are most active in janitorial services?: By dollars approved: The Huntington National Bank, Wells Fargo Bank, United Midwest Savings Bank, Live Oak Banking Company, 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 janitorial services considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 11.0% 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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