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. The capital source prices this risk into rate and structure.
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?
SBA Lending Activity in Collection Agencies
278 SBA lenders have funded 1,037 loans to collection agencies businesses (NAICS 561440). 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.
Collection Agencies Industry Context
Talk to PeerSense
PeerSense sources capital for collection agencies businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Talk to PeerSense about financing a Collection Agencies 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 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.
Talk to PeerSense about a collection agencies file. The capital source sets the terms. The desk fee is paid at closing, never upfront.
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 to 2025). Collection Agencies defined by NAICS code 561440. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.