How much do SBA lenders typically lend to a pet care (except veterinary) services business?

The median SBA approval in NAICS 812910 is $195,850, with the middle 80% of loans between $25,000 and $1,095,000. Across all industries the median is $180,000.

Which lenders are most active in pet care (except veterinary) services?

By dollars approved: Live Oak Banking Company, The Huntington National Bank, Wells Fargo Bank, First Financial 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 pet care (except veterinary) services considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 6.5% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 812910 · Other Services

SBA loans for pet care (except veterinary) services

6,530 SBA loans worth $2.81B have been approved in this industry since FY2010 - the #31 most-financed NAICS code in the country.

Median loan

$195,850

+9% vs all industries

Typical range

$25K-$1.1M

Middle 80%

Median rate

7.50%

7(a) initial note rate

Median term

10 yr

Charge-off rate

6.5%

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	223	$280.3M
The Huntington National Bank	780	$182.0M
Wells Fargo Bank	418	$169.3M
First Financial Bank	117	$126.6M
U.S. Bank	216	$70.6M
First Bank of the Lake	67	$56.6M
Banc of California	29	$42.9M
Readycap Lending, LLC	86	$41.9M
SouthState Bank	47	$40.9M
United Community Bank	56	$34.7M

Geography

Where these loans were made

State	Loans	Share
Texas	566
California	479
Ohio	407
Florida	358
New York	286
Illinois	259
Massachusetts	230
North Carolina	230

Approvals by fiscal year

’10

’11

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’14

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’16

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
21%
$50K - $150K
22%
$150K - $350K
20%
$350K - $1M
25%
$1M - $2M
8%
Over $2M
3%

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 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 pet care (except veterinary) services business?: The median SBA approval in NAICS 812910 is $195,850, with the middle 80% of loans between $25,000 and $1,095,000. Across all industries the median is $180,000.
Which lenders are most active in pet care (except veterinary) services?: By dollars approved: Live Oak Banking Company, The Huntington National Bank, Wells Fargo Bank, First Financial 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 pet care (except veterinary) services considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 6.5% were charged off, versus 7.6% across all SBA lending. That is close to average.

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