How much do SBA lenders typically lend to a business associations business?

The median SBA approval in NAICS 813910 is $92,500, with the middle 80% of loans between $25,000 and $350,000. Across all industries the median is $180,000.

Which lenders are most active in business associations?

By dollars approved: Fifth Third Bank, Mountain West Small Business Finance, Byline Bank, Meridian Bank, First National Bank of Pennsylvania. 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 business associations considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.8% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 813910 · Other Services

SBA loans for business associations

104 SBA loans worth $18.4M have been approved in this industry since FY2010 - the #689 most-financed NAICS code in the country.

Median loan

$92,500

-49% vs all industries

Typical range

$25K-$350K

Middle 80%

Median rate

7.25%

7(a) initial note rate

Median term

10 yr

Charge-off rate

8.8%

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
Fifth Third Bank	42	$5.4M
Mountain West Small Business Finance	1	$2.8M
Byline Bank	1	$2.5M
Meridian Bank	1	$1.1M
First National Bank of Pennsylvania	2	$497K
TowneBank	1	$447K
The Huntington National Bank	3	$423K
The Central Trust Bank	1	$371K
Commerce Bank	3	$358K
WesBanco Bank, Inc.	2	$339K

Geography

Where these loans were made

State	Loans	Share
Texas	20
California	18
Michigan	13
Pennsylvania	5
Virginia	5
Florida	4
New York	4
Missouri	3

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
25%
$50K - $150K
46%
$150K - $350K
16%
$350K - $1M
10%
$1M - $2M
1%
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 business associations business?: The median SBA approval in NAICS 813910 is $92,500, with the middle 80% of loans between $25,000 and $350,000. Across all industries the median is $180,000.
Which lenders are most active in business associations?: By dollars approved: Fifth Third Bank, Mountain West Small Business Finance, Byline Bank, Meridian Bank, First National Bank of Pennsylvania. 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 business associations considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.8% were charged off, versus 7.6% across all SBA lending. That is close to average.

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