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

The median SBA approval in NAICS 812990 is $144,000, with the middle 80% of loans between $15,000 and $823,600. Across all industries the median is $180,000.

Which lenders are most active in all other personal services?

By dollars approved: The Huntington National Bank, Wells Fargo Bank, Live Oak Banking Company, U.S. Bank, Capital 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 all other personal services considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.9% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 812990 · Other Services

SBA loans for all other personal services

7,488 SBA loans worth $2.51B have been approved in this industry since FY2010 - the #26 most-financed NAICS code in the country.

Median loan

$144,000

-20% vs all industries

Typical range

$15K-$824K

Middle 80%

Median rate

7.50%

7(a) initial note rate

Median term

10 yr

Charge-off rate

8.9%

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	626	$128.5M
Wells Fargo Bank	614	$110.0M
Live Oak Banking Company	81	$80.6M
U.S. Bank	244	$47.6M
Capital Certified Development Corporation	45	$44.6M
JPMorgan Chase Bank	305	$38.9M
Simmons Bank	115	$37.2M
Florida Business Development Corporation	64	$34.4M
CDC Small Business Finance Corp.	71	$32.2M
Readycap Lending, LLC	193	$31.9M

Geography

Where these loans were made

State	Loans	Share
California	895
Texas	620
Florida	613
New York	451
Ohio	342
Illinois	283
Michigan	270
Minnesota	239

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
27%
$50K - $150K
24%
$150K - $350K
23%
$350K - $1M
19%
$1M - $2M
5%
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 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 all other personal services business?: The median SBA approval in NAICS 812990 is $144,000, with the middle 80% of loans between $15,000 and $823,600. Across all industries the median is $180,000.
Which lenders are most active in all other personal services?: By dollars approved: The Huntington National Bank, Wells Fargo Bank, Live Oak Banking Company, U.S. Bank, Capital 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 all other personal services considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.9% were charged off, versus 7.6% across all SBA lending. That is close to average.

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