How Much Can Carpet and Upholstery Cleaning Services Businesses Get in SBA Loans?
3,132 SBA loans totaling $481.0M have been approved for carpet and upholstery cleaning services businesses (NAICS 561740). The average approved SBA loan is $154K, which is 55% below avg the $340K national average. 579 active lenders fund this industry with a 17.7% default rate on the matured 2018-2021 loan cohort.
At 17.7%, Carpet and Upholstery Cleaning Services sits above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans), above average 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 561740 (Carpet and Upholstery Cleaning Services) received 3,132 SBA loans worth $481.0M across 5+ states. Average loan $154K, average term 101 months, 17.7% default rate (resolved-loan basis).579 active SBA-approved lenders fund this industry. Most carpet and upholstery cleaning services loans use the SBA 7(a) program.
Is SBA Lending Growing for Carpet and Upholstery Cleaning Services?+94% growth
Which SBA Program Do Carpet and Upholstery Cleaning Services Businesses Use Most?
What Is the Best SBA Loan for Carpet and Upholstery Cleaning Services?
The most widely used SBA program for carpet and upholstery cleaning services businesses: flexible terms, multiple use cases
Where Are Carpet and Upholstery Cleaning Services SBA Loans Most Common?
SBA Lending Activity in Carpet and Upholstery Cleaning Services
579 SBA lenders have funded 3,132 loans to carpet and upholstery cleaning services businesses (NAICS 561740). 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.
Ready to Fund Your Carpet and Upholstery Cleaning Services Business?
PeerSense places SBA loans for carpet and upholstery cleaning services businesses nationwide. We match you with the right capital source. Referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Financing a Carpet and Upholstery Cleaning Services business? Get matched to an SBA lender.
Tell us your loan amount and use of funds. We route you to the lender most likely to fund a deal in your industry.
SBA 7(a) / 504: Response within 24–48 hours. No obligation.
How Does SBA Lending Work for Carpet and Upholstery Cleaning Services Businesses?
Across all SBA loan programs, 3,132 loans have been approved for businesses classified under NAICS 561740 (Carpet and Upholstery Cleaning Services), representing $481.0M in total capital deployed. The average approved loan of $154K is 55% below avg the national SBA average of $340K, with typical repayment terms of 101 months.
SBA lending for carpet and upholstery cleaning services is accelerating. Loan volume has grown approximately 94% 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 5% 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 carpet and upholstery cleaning 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.
Frequently Asked Questions: Carpet and Upholstery Cleaning Services SBA Loans
What is the average SBA loan size for carpet and upholstery cleaning services businesses?
Which SBA loan program is best for a carpet and upholstery cleaning services business?
How many lenders fund SBA loans for carpet and upholstery cleaning services?
What states have the most SBA lending for carpet and upholstery cleaning services?
How does PeerSense help carpet and upholstery cleaning services businesses get SBA loans?
Related Administrative & Support Services Industries
Landscaping Services
Janitorial Services
Other Services to Buildings and Dwellings
All Other Support Services
All Other Business Support Services
Security Systems Services (except Locksmiths)
Data aggregated from SBA loan records (1992–2025). Carpet and Upholstery Cleaning Services defined by NAICS code 561740. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.