How much do SBA lenders typically lend to a amusement arcades business?

The median SBA approval in NAICS 713120 is $210,000, with the middle 80% of loans between $25,000 and $1,325,000. Across all industries the median is $180,000.

Which lenders are most active in amusement arcades?

By dollars approved: Wilmington Savings Fund Society, Live Oak Banking Company, The Huntington National Bank, Newtek Small Business Finance, Inc., Newtek 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 amusement arcades considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 14.2% 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 713120 · Arts & Recreation

SBA loans for amusement arcades

893 SBA loans worth $457.2M have been approved in this industry since FY2010 - the #224 most-financed NAICS code in the country.

Median loan

$210,000

+17% vs all industries

Typical range

$25K-$1.3M

Middle 80%

Median rate

7.50%

7(a) initial note rate

Median term

10 yr

Charge-off rate

14.2%

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
Wilmington Savings Fund Society	12	$29.1M
Live Oak Banking Company	20	$25.6M
The Huntington National Bank	77	$22.5M
Newtek Small Business Finance, Inc.	19	$16.2M
Newtek Bank	34	$14.2M
U.S. Bank	31	$14.1M
Wells Fargo Bank	45	$13.0M
Manufacturers and Traders Trust Company	32	$8.5M
Midwest Regional Bank	6	$7.9M
Renasant Bank	8	$7.9M

Geography

Where these loans were made

State	Loans	Share
Texas	85
California	78
Florida	50
New York	46
Ohio	45
Illinois	40
Pennsylvania	35
Michigan	35

Approvals by fiscal year

’10

’11

’12

’13

’14

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’19

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
17%
$50K - $150K
23%
$150K - $350K
25%
$350K - $1M
21%
$1M - $2M
8%
Over $2M
6%

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 Golf Courses and Country Clubs829 · $499,500 Promoters of Performing Arts, Sports, and Similar Events without Facilities684 · $65,000 Marinas526 · $500,000

Common questions

How much do SBA lenders typically lend to a amusement arcades business?: The median SBA approval in NAICS 713120 is $210,000, with the middle 80% of loans between $25,000 and $1,325,000. Across all industries the median is $180,000.
Which lenders are most active in amusement arcades?: By dollars approved: Wilmington Savings Fund Society, Live Oak Banking Company, The Huntington National Bank, Newtek Small Business Finance, Inc., Newtek 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 amusement arcades considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 14.2% 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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