How much do SBA lenders typically lend to a zoos and botanical gardens business?

The median SBA approval in NAICS 712130 is $350,000, with the middle 80% of loans between $25,000 and $2,250,000. Across all industries the median is $180,000.

Which lenders are most active in zoos and botanical gardens?

By dollars approved: Pinnacle Bank, The Bank of Missouri, Greater Nevada CU, Enterprise Bank, Stone 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.

NAICS 712130 · Arts & Recreation

SBA loans for zoos and botanical gardens

48 SBA loans worth $43.7M have been approved in this industry since FY2010 - the #869 most-financed NAICS code in the country.

Median loan

$350,000

+94% vs all industries

Typical range

$25K-$2.3M

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

15.3 yr

Charge-off rate

Cohort too small

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
Pinnacle Bank	4	$5.7M
The Bank of Missouri	2	$5.0M
Greater Nevada CU	1	$5.0M
Enterprise Bank	1	$4.9M
Stone Bank	1	$2.6M
Rural Missouri, Inc.	2	$2.5M
Wells Fargo Bank	3	$2.3M
A N E C a Fcu	1	$2.0M
First Merchants Bank	2	$2.0M
U.S. Bank	1	$1.7M

Geography

Where these loans were made

State	Loans	Share
Florida	7
Missouri	6
Minnesota	3
Wisconsin	3
Tennessee	3
Georgia	3
New York	3
Virginia	2

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
15%
$50K - $150K
17%
$150K - $350K
17%
$350K - $1M
25%
$1M - $2M
10%
Over $2M
17%

Nearby

Other arts & recreation industries

See the sector

Fitness and Recreational Sports Centers17,261 · $232,000 All Other Amusement and Recreation Industries6,528 · $298,250 Independent Artists, Writers, and Performers1,634 · $50,000 Bowling Centers1,123 · $477,500 Promoters of Performing Arts, Sports, and Similar Events with Facilities1,015 · $216,200 Amusement Arcades893 · $210,000 Golf Courses and Country Clubs829 · $499,500 Promoters of Performing Arts, Sports, and Similar Events without Facilities684 · $65,000

Common questions

How much do SBA lenders typically lend to a zoos and botanical gardens business?: The median SBA approval in NAICS 712130 is $350,000, with the middle 80% of loans between $25,000 and $2,250,000. Across all industries the median is $180,000.
Which lenders are most active in zoos and botanical gardens?: By dollars approved: Pinnacle Bank, The Bank of Missouri, Greater Nevada CU, Enterprise Bank, Stone 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.

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