Which SBA program is best for Carpet and Upholstery Cleaning Services?

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

NAICS 561740Administrative & Support ServicesLending Growing

How Much Can Carpet and Upholstery Cleaning Services Businesses Get in SBA Loans?

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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.

Above average default risk17.7% vs 15.4% all industry avg

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. The capital source prices this risk into rate and structure.

Quick Answer

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.

3,132

Total SBA Loans

$481.0M

Total Volume

$154K

Avg Loan Size

55% below avg

579

Active Lenders

101 mo

Avg Term

22% below avg

17,626

Jobs Supported

Is SBA Lending Growing for Carpet and Upholstery Cleaning Services?+94% growth

104

124

$18.3M

$15.4M

$15.9M

$22.3M

$37.6M

$22.9M

$17.7M

$30.7M

$38.8M

Which SBA Program Do Carpet and Upholstery Cleaning Services Businesses Use Most?

SBA 7(a)2,965 (95%)

SBA 504167 (5%)

What Is the Best SBA Loan for Carpet and Upholstery Cleaning Services?

SBA 7(a)

The most widely used SBA program for carpet and upholstery cleaning services businesses: flexible terms, multiple use cases

Industry avg loan: $154K

Typical term: 101 months

Historical avg rate: 7.48%

579+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 17.7%

Where Are Carpet and Upholstery Cleaning Services SBA Loans Most Common?

307 loans

$60.9M

208 loans

$28.0M

193 loans

$46.0M

158 loans

$19.2M

123 loans

$11.2M

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.

Loans funded

3,132

Active lenders

579

Total volume

$481.0M

Avg loan size

$154K

Browse all SBA lenders

Talk to PeerSense

PeerSense sources capital for carpet and upholstery cleaning 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 Carpet and Upholstery Cleaning Services business.

Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.

SBA 7(a) / 504: PeerSense 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

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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.

Talk to PeerSense about a carpet and upholstery cleaning services file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: Carpet and Upholstery Cleaning Services SBA Loans

What is the average SBA loan size for carpet and upholstery cleaning services businesses?

Based on 3,132 approved SBA loans, the average loan size for carpet and upholstery cleaning services (NAICS 561740) is $154K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a carpet and upholstery cleaning services business?

SBA 7(a) is the most commonly used SBA program for carpet and upholstery cleaning services businesses. The most widely used SBA program for carpet and upholstery cleaning 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 carpet and upholstery cleaning services?

579 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 carpet and upholstery cleaning services file.

What states have the most SBA lending for carpet and upholstery cleaning services?

CA leads with 307 SBA loans and $60.9M in total volume for carpet and upholstery cleaning services businesses. TX, FL, OH also show strong lending activity in this sector.

How does PeerSense help carpet and upholstery cleaning services businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a carpet and upholstery cleaning services file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Administrative & Support Services Industries

Landscaping Services

Janitorial Services

Other Services to Buildings and Dwellings

5,214 loans · N/A

Avg: $216K

All Other Support Services

3,199 loans · N/A

Avg: $164K

All Other Business Support Services

2,992 loans · N/A

Avg: $183K

Security Systems Services (except Locksmiths)

2,819 loans · N/A

Avg: $260K

Data aggregated from SBA loan records (1992 to 2025). Carpet and Upholstery Cleaning Services defined by NAICS code 561740. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.