How much do SBA lenders typically lend to a home and garden equipment repair and maintenance business?

The median SBA approval in NAICS 811411 is $50,000, with the middle 80% of loans between $10,000 and $458,600. Across all industries the median is $180,000.

Which lenders are most active in home and garden equipment repair and maintenance?

By dollars approved: The Huntington National Bank, CIBC Bank USA, The Bancorp Bank, Arizona Financial Credit Union, JPMorgan Chase 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 home and garden equipment repair and maintenance considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.8% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 811411 · Other Services

SBA loans for home and garden equipment repair and maintenance

358 SBA loans worth $70.1M have been approved in this industry since FY2010 - the #416 most-financed NAICS code in the country.

Median loan

$50,000

-72% vs all industries

Typical range

$10K-$459K

Middle 80%

Median rate

7.02%

7(a) initial note rate

Median term

10 yr

Charge-off rate

8.8%

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	$8.1M
CIBC Bank USA	5	$4.7M
The Bancorp Bank	2	$4.6M
Arizona Financial Credit Union	2	$3.6M
JPMorgan Chase Bank	16	$3.3M
U.S. Bank	19	$3.3M
Truist Bank	2	$2.2M
Northeast Bank	9	$2.0M
Bankwest	1	$2.0M
Busey Bank	2	$1.9M

Geography

Where these loans were made

State	Loans	Share
Ohio	36
Florida	32
California	26
Massachusetts	20
New York	18
Texas	15
Missouri	14
Wisconsin	13

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
41%
$50K - $150K
31%
$150K - $350K
15%
$350K - $1M
9%
$1M - $2M
3%
Over $2M
1%

Nearby

Other other services industries

See the sector

General Automotive Repair16,083 · $190,000 Beauty Salons14,068 · $85,000 Other Personal Care Services7,830 · $175,000 All Other Personal Services7,488 · $144,000 Pet Care (except Veterinary) Services6,530 · $195,850 Car Washes5,876 · $773,000 Automotive Body, Paint, and Interior Repair and Maintenance5,872 · $240,000 Drycleaning and Laundry Services3,976 · $200,000

Common questions

How much do SBA lenders typically lend to a home and garden equipment repair and maintenance business?: The median SBA approval in NAICS 811411 is $50,000, with the middle 80% of loans between $10,000 and $458,600. Across all industries the median is $180,000.
Which lenders are most active in home and garden equipment repair and maintenance?: By dollars approved: The Huntington National Bank, CIBC Bank USA, The Bancorp Bank, Arizona Financial Credit Union, JPMorgan Chase 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 home and garden equipment repair and maintenance considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.8% were charged off, versus 7.6% across all SBA lending. That is close to average.

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