What is the SBA loan default rate for All Other Personal Services?

At 19.3%, All Other Personal Services sits well above the 15.4% all industry SBA default rate (charged off as a share of resolved loans), elevated default risk relative to other SBA industries. The rate is measured on the resolved loans (paid in full or charged off), loans that have reached a final outcome. 1082 lenders actively fund this industry.

Which SBA program is best for All Other Personal Services?

The SBA 7(a) program is the most commonly used for All Other Personal Services businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 812990Other ServicesLending Growing

How Much Can All Other Personal Services Businesses Get in SBA Loans?

Name: All Other Personal Services SBA Loan Performance Data (NAICS 812990)
Creator: PeerSense
License: https://peersense.com/terms-and-conditions

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 19.3% default rate on the matured 2018-2021 loan cohort.

Elevated default risk19.3% vs 15.4% all industry avg

At 19.3%, All Other Personal Services sits well above the 15.4% all industry SBA default rate (charged off as a share of resolved loans), elevated default risk relative to other SBA industries. The capital source prices this risk into rate and structure.

Quick Answer

NAICS 812990 (All Other Personal Services) received 12,450 SBA loans worth $3.0B across 5+ states. Average loan $238K, average term 119 months, 19.3% default rate (resolved loan basis).1082 active SBA approved lenders fund this industry. Most all other personal services loans use the SBA 7(a) program.

12,450

Total SBA Loans

$3.0B

Total Volume

$238K

Avg Loan Size

30% below avg

1,082

Active Lenders

119 mo

Avg Term

8% below avg

97,927

Jobs Supported

Is SBA Lending Growing for All Other Personal Services?+70% growth

508

495

430

381

362

354

488

485

645

826

$127.2M

$140.3M

$150.9M

$140.2M

$161.3M

$182.6M

$203.5M

$154.9M

$222.7M

$309.3M

Which SBA Program Do All Other Personal Services Businesses Use Most?

SBA 7(a)11,288 (91%)

SBA 5041,163 (9%)

What Is the Best SBA Loan for All Other Personal Services?

SBA 7(a)

The most widely used SBA program for all other personal services businesses: flexible terms, multiple use cases

Industry avg loan: $238K

Typical term: 119 months

Historical avg rate: 7.89%

1082+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 19.3%

Where Are All Other Personal Services SBA Loans Most Common?

1,389 loans

$433.5M

1,109 loans

$333.8M

927 loans

$247.1M

725 loans

$135.0M

563 loans

$77.3M

SBA Lending Activity in All Other Personal Services

1,082 SBA lenders have funded 12,450 loans to all other personal services businesses (NAICS 812990). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.

Loans funded

12,450

Active lenders

1,082

Total volume

$3.0B

Avg loan size

$238K

Browse all SBA lenders

All Other Personal Services Industry Context

U.S. Employment

6,039,000

BLS · 2026

Talk to PeerSense

PeerSense sources capital for all other personal services businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a All Other Personal Services business.

Tell us your loan amount and use of funds. PeerSense sources capital. It is not the lender.

SBA 7(a) / 504: The desk will reach out. No obligation.

How big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

By checking this box and submitting my information, I electronically sign and agree that PeerSense, Inc. and its affiliates, funding partners, and franchise partners may contact me at the email address and phone number I provided, including by phone call, SMS/text message (including autodialed, prerecorded, or artificial voice messages), and email, for marketing, franchise research, and funding related purposes, even if that number is on any Do Not Call list. Message and data rates may apply. Consent is not a condition of purchase. I may opt out at any time by replying STOP to texts or emailing info@peersense.com. I have read and agree to the Privacy Policy and Terms of Service.

Referral fee realized at closing · Or call (317) 452 6990

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.

Talk to PeerSense about a all other personal services file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

SBA Loan Guide SBA Calculator SBA Lender Directory Industry Data Hub Current SBA Rates Contact Us

Frequently Asked Questions: All Other Personal Services SBA Loans

What is the average SBA loan size for all other personal services businesses?

Based on 12,450 approved SBA loans, the average loan size for all other personal services (NAICS 812990) is $238K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a all other personal services business?

SBA 7(a) is the most commonly used SBA program for all other personal services businesses. The most widely used SBA program for all other personal services businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for all other personal services?

1082 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a all other personal services file.

What states have the most SBA lending for all other personal services?

CA leads with 1,389 SBA loans and $433.5M in total volume for all other personal services businesses. TX, FL, NY also show strong lending activity in this sector.

How does PeerSense help all other personal services businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a all other personal services file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Other Services Industries

General Automotive Repair

Beauty Salons

Drycleaning and Laundry Services (except Coin-Operated)

14,554 loans · N/A

Avg: $251K

Automotive Body, Paint, and Interior Repair and Maintenance

Car Washes

Other Personal Care Services

11,061 loans · N/A

Avg: $255K

Data aggregated from SBA loan records (1992 to 2025). All Other Personal Services defined by NAICS code 812990. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.