NAICS 611630 · Education
SBA loans for language schools
106 SBA loans worth $50.8M have been approved in this industry since FY2010 - the #676 most-financed NAICS code in the country.
Median loan
$150,000
-17% vs all industries
Typical range
$13K-$1.6M
Middle 80%
Median rate
6.50%
7(a) initial note rate
Median term
10 yr
Charge-off rate
3.9%
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 | Share |
|---|---|---|---|
| Bank of Hope | 5 | $5.0M | |
| EagleBank | 3 | $4.9M | |
| Columbia Bank | 4 | $4.8M | |
| Platinum Bank | 2 | $4.4M | |
| SouthState Bank | 1 | $4.3M | |
| Wells Fargo Bank | 13 | $2.8M | |
| America First Federal Credit Union | 2 | $2.6M | |
| U.S. Bank | 3 | $2.6M | |
| Banesco USA | 1 | $2.4M | |
| Mortgage Capital Development Corporation | 3 | $2.1M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 22 | |
| Texas | 13 | |
| New York | 10 | |
| Colorado | 7 | |
| Massachusetts | 7 | |
| Florida | 6 | |
| Virginia | 6 | |
| Washington | 6 |
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 $50K29%
- $50K - $150K18%
- $150K - $350K20%
- $350K - $1M15%
- $1M - $2M13%
- Over $2M5%
Nearby
Other education industries
Sports and Recreation Instruction4,125 · $161,000All Other Miscellaneous Schools and Instruction2,168 · $135,000Fine Arts Schools1,997 · $125,000Educational Support Services1,693 · $90,000Elementary and Secondary Schools1,386 · $601,500Exam Preparation and Tutoring920 · $120,000Professional and Management Development Training745 · $100,000Other Technical and Trade Schools744 · $200,000
Common questions
- How much do SBA lenders typically lend to a language schools business?
- The median SBA approval in NAICS 611630 is $150,000, with the middle 80% of loans between $12,500 and $1,611,000. Across all industries the median is $180,000.
- Which lenders are most active in language schools?
- By dollars approved: Bank of Hope, EagleBank, Columbia Bank, Platinum Bank, SouthState 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 language schools considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 3.9% 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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