How much do SBA lenders typically lend to a septic tank and related services business?

The median SBA approval in NAICS 562991 is $125,000, with the middle 80% of loans between $25,000 and $931,800. Across all industries the median is $180,000.

Which lenders are most active in septic tank and related services?

By dollars approved: The Huntington National Bank, Enterprise Bank & Trust, U.S. Bank, Fifth Third Bank, Wells Fargo 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 septic tank and related services considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 2.4% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 562991 · Administrative & Waste

SBA loans for septic tank and related services

822 SBA loans worth $284.3M have been approved in this industry since FY2010 - the #233 most-financed NAICS code in the country.

Median loan

$125,000

-31% vs all industries

Typical range

$25K-$932K

Middle 80%

Median rate

6.50%

7(a) initial note rate

Median term

10 yr

Charge-off rate

2.4%

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	52	$22.1M
Enterprise Bank & Trust	5	$10.0M
U.S. Bank	40	$8.7M
Fifth Third Bank	5	$8.0M
Wells Fargo Bank	29	$7.3M
SouthState Bank	8	$6.3M
First Horizon Bank	3	$5.4M
Cross River Bank	2	$5.3M
First Internet Bank of Indiana	1	$5.0M
Merchants Bank of Indiana	3	$4.6M

Geography

Where these loans were made

State	Loans	Share
California	65
Wisconsin	49
Ohio	42
Minnesota	38
Texas	36
Massachusetts	35
Florida	31
Pennsylvania	30

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
22%
$50K - $150K
32%
$150K - $350K
21%
$350K - $1M
16%
$1M - $2M
7%
Over $2M
3%

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 septic tank and related services business?: The median SBA approval in NAICS 562991 is $125,000, with the middle 80% of loans between $25,000 and $931,800. Across all industries the median is $180,000.
Which lenders are most active in septic tank and related services?: By dollars approved: The Huntington National Bank, Enterprise Bank & Trust, U.S. Bank, Fifth Third Bank, Wells Fargo 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 septic tank and related services considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 2.4% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

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