How much do SBA lenders typically lend to a private households business?

The median SBA approval in NAICS 814110 is $323,000, with the middle 80% of loans between $41,000 and $1,183,000. Across all industries the median is $180,000.

Which lenders are most active in private households?

By dollars approved: Wells Fargo Bank, U.S. Bank, Columbia Bank, Manufacturers and Traders Trust Company, Bank of America. 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 private households considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 1.4% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 814110 · Other Services

SBA loans for private households

163 SBA loans worth $84.6M have been approved in this industry since FY2010 - the #582 most-financed NAICS code in the country.

Median loan

$323,000

+79% vs all industries

Typical range

$41K-$1.2M

Middle 80%

Median rate

5.70%

7(a) initial note rate

Median term

25 yr

Charge-off rate

1.4%

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
Wells Fargo Bank	98	$60.2M
U.S. Bank	17	$8.2M
Columbia Bank	8	$5.5M
Manufacturers and Traders Trust Company	5	$4.6M
Bank of America	3	$2.5M
Beneficial State Bank	1	$1.2M
The Huntington National Bank	10	$583K
The Community Bank	6	$385K
Coasthills Federal Credit Union	1	$300K
Zions Bank, A Division of	1	$230K

Geography

Where these loans were made

State	Loans	Share
California	80
Ohio	11
Texas	7
Washington	6
Illinois	4
Nevada	4
Oregon	4
Michigan	4

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
10%
$50K - $150K
18%
$150K - $350K
23%
$350K - $1M
33%
$1M - $2M
15%
Over $2M
1%

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 private households business?: The median SBA approval in NAICS 814110 is $323,000, with the middle 80% of loans between $41,000 and $1,183,000. Across all industries the median is $180,000.
Which lenders are most active in private households?: By dollars approved: Wells Fargo Bank, U.S. Bank, Columbia Bank, Manufacturers and Traders Trust Company, Bank of America. 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 private households considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 1.4% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

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