How much do SBA lenders typically lend to a other personal care services business?

The median SBA approval in NAICS 812199 is $175,000, with the middle 80% of loans between $20,000 and $724,500. Across all industries the median is $180,000.

Which lenders are most active in other personal care services?

By dollars approved: The Huntington National Bank, Simmons Bank, Wells Fargo Bank, Newtek Bank, U.S. 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 other personal care services considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.9% 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 812199 · Other Services

SBA loans for other personal care services

7,830 SBA loans worth $2.53B have been approved in this industry since FY2010 - the #25 most-financed NAICS code in the country.

Median loan

$175,000

-3% vs all industries

Typical range

$20K-$725K

Middle 80%

Median rate

7.74%

7(a) initial note rate

Median term

10 yr

Charge-off rate

9.9%

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
The Huntington National Bank	1,016	$247.3M
Simmons Bank	469	$158.3M
Wells Fargo Bank	508	$117.7M
Newtek Bank	211	$58.3M
U.S. Bank	460	$51.6M
Live Oak Banking Company	46	$50.7M
JPMorgan Chase Bank	262	$50.7M
Happen Bank	50	$45.5M
The Bancorp Bank	79	$42.6M
Stearns Bank	113	$37.9M

Geography

Where these loans were made

State	Loans	Share
California	849
Texas	709
Florida	593
New York	389
Ohio	372
Pennsylvania	263
Illinois	254
New Jersey	252

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
24%
$50K - $150K
21%
$150K - $350K
24%
$350K - $1M
26%
$1M - $2M
4%
Over $2M
2%

Nearby

Other other services industries

See the sector

General Automotive Repair16,083 · $190,000 Beauty Salons14,068 · $85,000 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 Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance3,531 · $150,000

Common questions

How much do SBA lenders typically lend to a other personal care services business?: The median SBA approval in NAICS 812199 is $175,000, with the middle 80% of loans between $20,000 and $724,500. Across all industries the median is $180,000.
Which lenders are most active in other personal care services?: By dollars approved: The Huntington National Bank, Simmons Bank, Wells Fargo Bank, Newtek Bank, U.S. 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 other personal care services considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.9% 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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