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NAICS sector 54

Professional, Scientific, and Technical Services

Name: SBA lending in Professional, Scientific, and Technical Services
Creator: U.S. Small Business Administration
License: https://www.usa.gov/government-works

101,046 SBA loans worth $36.91B across 49 industries in this sector.

Loans

101,046

Approved

$36.91B

Median loan

$150,000

Median term

10 yr

Charge-off rate

6.6%

vs 7.6% all sectors

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.

Inside the sector

All 49 industries

Industry	NAICS	Loans	Median loan	Median rate	Charge-off
Offices of Lawyers	541110	11,836	$144,350	7.00%	4.9%
All Other Professional, Scientific, and Technical Services	541990	8,195	$200,000	6.75%	6.7%
Veterinary Services	541940	7,303	$514,600	5.75%	2.2%
Offices of Certified Public Accountants	541211	6,420	$177,000	6.50%	5.2%
Engineering Services	541330	5,789	$200,000	6.70%	4.4%
Administrative Management and General Management Consulting Services	541611	5,634	$93,000	8.99%	10.3%
Custom Computer Programming Services	541511	5,171	$150,000	7.50%	5.5%
Other Computer Related Services	541519	4,654	$160,000	6.75%	6.2%
Computer Systems Design Services	541512	4,466	$118,000	7.29%	7.7%
Marketing Consulting Services	541613	4,254	$70,000	8.25%	10.8%
Other Accounting Services	541219	3,648	$100,000	8.25%	7.4%
Tax Preparation Services	541213	2,816	$100,000	7.90%	9.5%
Other Management Consulting Services	541618	2,765	$65,000	8.00%	9.0%
Advertising Agencies	541810	2,725	$150,000	7.75%	10.7%
Architectural Services	541310	2,577	$150,000	7.16%	4.3%
Other Scientific and Technical Consulting Services	541690	2,372	$100,000	7.83%	6.5%
Interior Design Services	541410	2,337	$100,000	8.25%	10.1%
Landscape Architectural Services	541320	1,846	$100,000	6.78%	4.8%
Graphic Design Services	541430	1,699	$70,000	7.25%	7.8%
Photography Studios, Portrait	541921	1,366	$47,000	8.25%	8.8%
Process, Physical Distribution, and Logistics Consulting Services	541614	1,071	$100,000	8.00%	10.7%
Other Specialized Design Services	541490	1,048	$100,000	7.75%	9.6%
Environmental Consulting Services	541620	982	$150,000	6.75%	6.1%
Other Services Related to Advertising	541890	981	$150,000	7.00%	10.1%
Testing Laboratories and Services	541380	957	$250,000	6.00%	2.9%
Human Resources Consulting Services	541612	682	$74,500	7.75%	8.7%
Building Inspection Services	541350	674	$54,400	7.99%	13.1%
Surveying and Mapping (except Geophysical) Services	541370	635	$100,000	6.50%	4.0%
All Other Legal Services	541199	612	$75,000	8.25%	12.6%
Commercial Photography	541922	565	$50,000	7.75%	6.8%
Computer Facilities Management Services	541513	511	$150,000	7.00%	7.8%
Public Relations Agencies	541820	503	$100,000	7.50%	7.4%
Marketing Research and Public Opinion Polling	541910	436	$200,000	6.75%	5.5%
Title Abstract and Settlement Offices	541191	378	$107,150	6.50%	6.2%
Indoor and Outdoor Display Advertising	541850	323	$200,000	6.25%	7.4%
Translation and Interpretation Services	541930	310	$100,000	8.10%	8.3%
Direct Mail Advertising	541860	287	$200,000	6.15%	13.1%
Payroll Services	541214	249	$150,000	6.97%	6.1%
Advertising Material Distribution Services	541870	240	$100,000	7.00%	13.1%
Media Representatives	541840	235	$80,000	7.50%	11.4%
Industrial Design Services	541420	235	$100,000	7.08%	6.6%
Drafting Services	541340	213	$71,200	8.25%	9.6%
Research and Development in the Physical, Engineering, and Life Sciences	541715	193	$250,000	8.25%	3.0%
Research and Development in the Physical, Engineering, and Life Sciences	541712	187	$150,000	6.00%	11.8%
Research and Development in Biotechnology	541711	158	$212,500	6.00%	3.3%
Geophysical Surveying and Mapping Services	541360	152	$130,750	6.50%	4.3%
Research and Development in Biotechnology	541714	136	$250,000	8.25%	7.7%
Research and Development in the Social Sciences and Humanities	541720	124	$100,000	7.00%	4.5%
Media Buying Agencies	541830	43	$150,000	7.45%	-

Lenders

Most active in this sector

Lender	Loans	Approved
Live Oak Banking Company	3,059	$3.67B
Wells Fargo Bank	7,976	$2.04B
The Huntington National Bank	5,483	$1.42B
JPMorgan Chase Bank	6,558	$1.16B
U.S. Bank	5,035	$1.13B
Newtek Bank	2,026	$721.9M
PNC Bank	2,439	$606.5M
Mortgage Capital Development Corporation	653	$597.4M
CDC Small Business Finance Corp.	913	$558.7M
Bank of America	1,254	$507.0M

Approvals by fiscal year

’10

’12

’14

’16

’18

’20

’22

’24

’26

Gross approval dollars. Final bar is a partial fiscal year.

An SBA 7(a) lender for loans this size

72% of the SBA loans approved in the professional services sector 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

We may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.

By state

Professional Services SBA lending in 53 states

Each state page lists the lenders and industries behind the sector's loans there. States with fewer than 20 loans in the sector have no page.

California15,101 · $200,000 Florida7,364 · $160,000 Texas6,989 · $150,000 New York6,831 · $100,000 Ohio4,330 · $100,000 Massachusetts4,165 · $60,000 Illinois3,389 · $150,000 Colorado3,116 · $175,000 New Jersey3,010 · $104,000 Pennsylvania2,967 · $125,000 Michigan2,795 · $137,800 Georgia2,662 · $200,000 Virginia2,585 · $150,000 Minnesota2,555 · $100,000 Washington2,367 · $150,000 Arizona2,352 · $189,000 Maryland2,348 · $100,000 Utah2,133 · $150,000 North Carolina1,913 · $200,000 Wisconsin1,848 · $150,000 Indiana1,841 · $134,000 Missouri1,597 · $150,000 Oregon1,413 · $120,000 Nevada1,144 · $150,000 Connecticut1,122 · $120,000 New Hampshire882 · $90,000 Idaho834 · $100,000 Tennessee830 · $150,000 Puerto Rico798 · $54,000 South Carolina704 · $152,500 Oklahoma669 · $200,000 Kentucky663 · $100,000 Alabama652 · $150,000 Louisiana650 · $150,000 Kansas643 · $150,000 Rhode Island547 · $100,000 Iowa525 · $150,000 New Mexico477 · $165,700 Nebraska475 · $150,000 Maine402 · $97,000 Hawaii389 · $50,000 District of Columbia376 · $150,000 Montana369 · $129,400 Arkansas334 · $150,000 Mississippi304 · $110,200 Delaware301 · $100,000 North Dakota251 · $100,000 Vermont238 · $82,450 West Virginia204 · $100,000 South Dakota193 · $150,000 Wyoming191 · $150,000 Alaska161 · $315,000 Guam38 · $50,000

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