How much do SBA lenders typically lend to a photofinishing laboratories business?

The median SBA approval in NAICS 812921 is $125,000, with the middle 80% of loans between $20,000 and $1,233,000. Across all industries the median is $180,000.

Which lenders are most active in photofinishing laboratories?

By dollars approved: CIBC Bank USA, U.S. Bank, The Huntington National Bank, Business Finance Group, Inc., Coastal Community 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 photofinishing laboratories considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.1% were charged off, versus 7.6% across all SBA lending. That is close to average.

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NAICS 812921 · Other Services

SBA loans for photofinishing laboratories

52 SBA loans worth $20.1M have been approved in this industry since FY2010 - the #847 most-financed NAICS code in the country.

Median loan

$125,000

-31% vs all industries

Typical range

$20K-$1.2M

Middle 80%

Median rate

7.20%

7(a) initial note rate

Median term

10 yr

Charge-off rate

7.1%

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
CIBC Bank USA	2	$5.0M
U.S. Bank	5	$3.1M
The Huntington National Bank	2	$2.2M
Business Finance Group, Inc.	1	$1.5M
Coastal Community Bank	1	$1.5M
United Business Bank	1	$1.2M
BayFirst National Bank	4	$1.1M
Wells Fargo Bank	2	$540K
Empire State Certified Development Corporation	2	$416K
Citizens State Bank of New Castle	2	$400K

Geography

Where these loans were made

State	Loans	Share
California	10
New York	8
Texas	5
Iowa	3
Utah	2
New Mexico	2
North Dakota	2
Nebraska	2

An SBA 7(a) lender for loans this size

77% of the SBA loans approved in photofinishing laboratories since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.

Check options with SmartBiz

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Approvals by fiscal year

’10

’12

’14

’16

’18

’20

’22

’24

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
25%
$50K - $150K
27%
$150K - $350K
25%
$350K - $1M
12%
$1M - $2M
6%
Over $2M
6%

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 photofinishing laboratories business?: The median SBA approval in NAICS 812921 is $125,000, with the middle 80% of loans between $20,000 and $1,233,000. Across all industries the median is $180,000.
Which lenders are most active in photofinishing laboratories?: By dollars approved: CIBC Bank USA, U.S. Bank, The Huntington National Bank, Business Finance Group, Inc., Coastal Community 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 photofinishing laboratories considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.1% were charged off, versus 7.6% across all SBA lending. That is close to average.

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