How much do SBA lenders typically lend to a reupholstery and furniture repair business?

The median SBA approval in NAICS 811420 is $96,200, with the middle 80% of loans between $15,000 and $670,000. Across all industries the median is $180,000.

Which lenders are most active in reupholstery and furniture repair?

By dollars approved: Live Oak Banking Company, Wells Fargo Bank, JPMorgan Chase Bank, TD Bank, Empire State Certified Development Corporation. 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 reupholstery and furniture repair considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.2% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 811420 · Other Services

SBA loans for reupholstery and furniture repair

379 SBA loans worth $101.9M have been approved in this industry since FY2010 - the #397 most-financed NAICS code in the country.

Median loan

$96,200

-47% vs all industries

Typical range

$15K-$670K

Middle 80%

Median rate

8.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

9.2%

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
Live Oak Banking Company	9	$8.4M
Wells Fargo Bank	29	$8.2M
JPMorgan Chase Bank	31	$4.4M
TD Bank	34	$4.0M
Empire State Certified Development Corporation	3	$3.9M
Business Finance Capital	3	$3.8M
The Huntington National Bank	25	$3.7M
Washington Trust Bank	1	$3.1M
Fifth Third Bank	3	$3.0M
Connecticut Community Bank	1	$2.7M

Geography

Where these loans were made

State	Loans	Share
California	46
New York	40
Florida	38
Texas	33
Ohio	18
Georgia	16
Missouri	13
Colorado	12

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
32%
$50K - $150K
28%
$150K - $350K
18%
$350K - $1M
14%
$1M - $2M
5%
Over $2M
2%

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 reupholstery and furniture repair business?: The median SBA approval in NAICS 811420 is $96,200, with the middle 80% of loans between $15,000 and $670,000. Across all industries the median is $180,000.
Which lenders are most active in reupholstery and furniture repair?: By dollars approved: Live Oak Banking Company, Wells Fargo Bank, JPMorgan Chase Bank, TD Bank, Empire State Certified Development Corporation. 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 reupholstery and furniture repair considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.2% were charged off, versus 7.6% across all SBA lending. That is close to average.

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