How Much Can Architectural Services Businesses Get in SBA Loans?
5,361 SBA loans totaling $1.4B have been approved for architectural services businesses (NAICS 541310). The average approved SBA loan is $264K, which is 23% below avg the $340K national average. 610 active lenders fund this industry with a 10.8% default rate on the matured 2018-2021 loan cohort.
At 10.8%, Architectural Services sits below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — moderate default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 541310 (Architectural Services) received 5,361 SBA loans worth $1.4B across 5+ states. Average loan $264K, average term 135 months, 10.8% default rate (resolved-loan basis).610 active SBA-approved lenders fund this industry. Most architectural services loans use the SBA 7(a) program.
Is SBA Lending Growing for Architectural Services?+65% growth
Which SBA Program Do Architectural Services Businesses Use Most?
What Is the Best SBA Loan for Architectural Services?
The most widely used SBA program for architectural services businesses — flexible terms, multiple use cases
Where Are Architectural Services SBA Loans Most Common?
Top SBA Lenders for Architectural Services
These banks have funded the most SBA loans for architectural services businesses (NAICS 541310). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 362 | $24.4M |
| 2 | Wells Fargo Bank National Association(SD) | 362 | $98.0M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 357 | $51.8M |
| 4 | Citizens Bank, National Association(RI) | 285 | $11.4M |
| 5 | U.S. Bank, National Association(OH) | 267 | $87.8M |
Architectural Services Industry Context
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How Does SBA Lending Work for Architectural Services Businesses?
Across all SBA loan programs, 5,361 loans have been approved for businesses classified under NAICS 541310 (Architectural Services), representing $1.4B in total capital deployed. The average approved loan of $264K is 23% below avg the national SBA average of $340K, with typical repayment terms of 135 months.
SBA lending for architectural services is accelerating — loan volume has grown approximately 65% 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 18% 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 architectural 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 — Architectural Services SBA Loans
What is the average SBA loan size for architectural services businesses?
Which SBA loan program is best for a architectural services business?
How many lenders fund SBA loans for architectural services?
What states have the most SBA lending for architectural services?
How does PeerSense help architectural services businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Architectural Services defined by NAICS code 541310. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.