How Much Can All Other Personal Services Businesses Get in SBA Loans?
12,450 SBA loans totaling $3.0B have been approved for all other personal services businesses (NAICS 812990). The average approved SBA loan is $238K, which is 30% below avg the $340K national average. 1082 active lenders fund this industry with a 12.4% historical default rate.
NAICS 812990 (All Other Personal Services) received 12,450 SBA loans worth $3.0B across 5+ states. Average loan $238K, average term 119 months, default rate 12.4%.1082 active SBA-approved lenders fund this industry. Most all other personal services loans use the SBA 7(a) program.
Is SBA Lending Growing for All Other Personal Services?+70% growth
Which SBA Program Do All Other Personal Services Businesses Use Most?
What Is the Best SBA Loan for All Other Personal Services?
The most widely used SBA program for all other personal services businesses — flexible terms, multiple use cases
Where Are All Other Personal Services SBA Loans Most Common?
Top SBA Lenders for All Other Personal Services
These banks have funded the most SBA loans for all other personal services businesses (NAICS 812990). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association(OH) | 1,226 | $91.9M |
| 2 | Wells Fargo Bank National Association(SD) | 803 | $144.7M |
| 3 | Bank of America, National Association(NC) | 667 | $21.4M |
| 4 | The Huntington National Bank(OH) | 613 | $97.1M |
| 5 | Bank of Hope(CA) | 434 | $33.1M |
All Other Personal Services Industry Context
Ready to Fund Your All Other Personal Services Business?
PeerSense places SBA loans for all other personal services businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
Retainers
Down with SBA 7(a)
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How Does SBA Lending Work for All Other Personal Services Businesses?
Across all SBA loan programs, 12,450 loans have been approved for businesses classified under NAICS 812990 (All Other Personal Services), representing $3.0B in total capital deployed. The average approved loan of $238K is 30% below avg the national SBA average of $340K, with typical repayment terms of 119 months.
SBA lending for all other personal services is accelerating — loan volume has grown approximately 70% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.
The industry sees a balanced mix of SBA programs, with 9% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.
PeerSense specializes in matching all other personal services business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — All Other Personal Services SBA Loans
What is the average SBA loan size for all other personal services businesses?
Which SBA loan program is best for a all other personal services business?
How many lenders fund SBA loans for all other personal services?
What states have the most SBA lending for all other personal services?
How does PeerSense help all other personal services businesses get SBA loans?
Related Other Services Industries
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Drycleaning and Laundry Services (except Coin-Operated)
Automotive Body, Paint, and Interior Repair and Maintenance
Car Washes
Other Personal Care Services
Data aggregated from SBA loan records (1992–2025). All Other Personal Services defined by NAICS code 812990. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.