How Much Can Collection Agencies Businesses Get in SBA Loans?
1,037 SBA loans totaling $309.2M have been approved for collection agencies businesses (NAICS 561440). The average approved SBA loan is $298K, which is 12% below avg the $340K national average. 278 active lenders fund this industry with a 20.2% default rate on the matured 2018-2021 loan cohort.
At 20.2%, Collection Agencies 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. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 561440 (Collection Agencies) received 1,037 SBA loans worth $309.2M across 5+ states. Average loan $298K, average term 112 months, 20.2% default rate (resolved-loan basis).278 active SBA-approved lenders fund this industry. Most collection agencies loans use the SBA 7(a) program. There are approximately 3,092 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Collection Agencies?+133% growth
Which SBA Program Do Collection Agencies Businesses Use Most?
What Is the Best SBA Loan for Collection Agencies?
The most widely used SBA program for collection agencies businesses — flexible terms, multiple use cases
Where Are Collection Agencies SBA Loans Most Common?
Top SBA Lenders for Collection Agencies
These banks have funded the most SBA loans for collection agencies businesses (NAICS 561440). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 80 | $23.3M |
| 2 | U.S. Bank, National Association(OH) | 61 | $19.3M |
| 3 | Bank of America, National Association(NC) | 55 | $4.1M |
| 4 | JPMorgan Chase Bank, National Association(OH) | 47 | $3.7M |
| 5 | Capital One, National Association(VA) | 36 | $1.8M |
Collection Agencies Industry Context
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How Does SBA Lending Work for Collection Agencies Businesses?
Across all SBA loan programs, 1,037 loans have been approved for businesses classified under NAICS 561440 (Collection Agencies), representing $309.2M in total capital deployed. The average approved loan of $298K is 12% below avg the national SBA average of $340K, with typical repayment terms of 112 months.
SBA lending for collection agencies is accelerating — loan volume has grown approximately 133% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2016.
The industry sees a balanced mix of SBA programs, with 11% 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 collection agencies 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 — Collection Agencies SBA Loans
What is the average SBA loan size for collection agencies businesses?
Which SBA loan program is best for a collection agencies business?
How many lenders fund SBA loans for collection agencies?
What states have the most SBA lending for collection agencies?
How does PeerSense help collection agencies businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Collection Agencies defined by NAICS code 561440. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.