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✦Prime Rate:7.00%✦Fed Funds:3.88%✦5 Yr Treasury:4.95%↓✦10 Yr Treasury:5.10%↓✦30 Yr Treasury:5.43%↓✦30 Yr Mortgage:7.11%·Updated Nov 12, 2026✦Prime Rate:7.00%✦Fed Funds:3.88%✦5 Yr Treasury:4.95%↓✦10 Yr Treasury:5.10%↓✦30 Yr Treasury:5.43%↓✦30 Yr Mortgage:7.11%·Updated Nov 12, 2026
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NAICS 611310EducationLending Growing

How Much Can Colleges, Universities, and Professional Schools Businesses Get in SBA Loans?

226 SBA loans totaling $168.0M have been approved for colleges, universities, and professional schools businesses (NAICS 611310). The average approved SBA loan is $743K, which is 118% above avg the $340K national average. 108 active lenders fund this industry with a 18.9% default rate on the matured 2018-2021 loan cohort.

Above average default risk18.9% vs 15.4% all industry avg

At 18.9%, Colleges, Universities, and Professional Schools 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 611310 (Colleges, Universities, and Professional Schools) received 226 SBA loans worth $168.0M across 5+ states. Average loan $743K, average term 154 months, 18.9% default rate (resolved loan basis).108 active SBA approved lenders fund this industry. Most colleges, universities, and professional schools loans use the SBA 504 program. There are approximately 4,106 U.S. establishments in this industry (Census 2022).

226
Total SBA Loans
$168.0M
Total Volume
$743K
Avg Loan Size
118% above avg
108
Active Lenders
154 mo
Avg Term
18% above avg
4,938
Jobs Supported

Is SBA Lending Growing for Colleges, Universities, and Professional Schools?+100% growth

10
6
11
10
5
7
9
4
7
8
16
17
18
19
20
21
22
23
24
25
$14.9M
$6.6M
$10.4M
$3.3M
$4.1M
$17.6M
$11.0M
$3.0M
$10.2M
$10.7M

Which SBA Program Do Colleges, Universities, and Professional Schools Businesses Use Most?

SBA 7(a)179 (79%)
SBA 50447 (21%)

What Is the Best SBA Loan for Colleges, Universities, and Professional Schools?

SBA 504

21% of colleges, universities, and professional schools loans use this program, ideal for real estate and major equipment purchases

Industry avg loan: $743K
Typical term: 154 months
Historical avg rate: 7.09%
108+ lenders active in this industry
Default rate (2018 to 21 matured cohort): 18.9%

Where Are Colleges, Universities, and Professional Schools SBA Loans Most Common?

#1
CA
65 loans
$59.9M
#2
FL
22 loans
$22.1M
#3
TX
12 loans
$1.7M
#4
OH
11 loans
$8.8M
#5
PR
9 loans
$2.7M

SBA Lending Activity in Colleges, Universities, and Professional Schools

108 SBA lenders have funded 226 loans to colleges, universities, and professional schools businesses (NAICS 611310). 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
226
Active lenders
108
Total volume
$168.0M
Avg loan size
$743K
Browse all SBA lenders

Colleges, Universities, and Professional Schools Industry Context

U.S. Establishments
4,106
U.S. Census Bureau · 2022
SBA Penetration
5.50%
SBA loans per establishment

Talk to PeerSense

PeerSense sources capital for colleges, universities, and professional schools businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

$0

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Colleges, Universities, and Professional Schools 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

Referral fee realized at closing · Or call (317) 452 6990

How Does SBA Lending Work for Colleges, Universities, and Professional Schools Businesses?

Across all SBA loan programs, 226 loans have been approved for businesses classified under NAICS 611310 (Colleges, Universities, and Professional Schools), representing $168.0M in total capital deployed. The average approved loan of $743K is 118% above avg the national SBA average of $340K, with typical repayment terms of 154 months.

SBA lending for colleges, universities, and professional schools is accelerating. Loan volume has grown approximately 100% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2018.

Notably, 21% of SBA loans in this industry use the 504 program (well above the national average), indicating that colleges, universities, and professional schools businesses frequently finance major fixed assets like real estate, heavy equipment, or facility buildouts. The 504 program offers up to $5.5M with below market fixed rates and only 10% down from the borrower.

Talk to PeerSense about a colleges, universities, and professional schools file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: Colleges, Universities, and Professional Schools SBA Loans

What is the average SBA loan size for colleges, universities, and professional schools businesses?
Based on 226 approved SBA loans, the average loan size for colleges, universities, and professional schools (NAICS 611310) is $743K. This compares to the national SBA average of $340K across all industries.
Which SBA loan program is best for a colleges, universities, and professional schools business?
SBA 504 is the most commonly used SBA program for colleges, universities, and professional schools businesses. 21% of colleges, universities, and professional schools loans use this program, ideal for real estate and major equipment purchases. PeerSense can analyze your specific deal to determine the optimal program.
How many lenders fund SBA loans for colleges, universities, and professional schools?
108 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 colleges, universities, and professional schools file.
What states have the most SBA lending for colleges, universities, and professional schools?
CA leads with 65 SBA loans and $59.9M in total volume for colleges, universities, and professional schools businesses. FL, TX, OH also show strong lending activity in this sector.
How does PeerSense help colleges, universities, and professional schools businesses get SBA loans?
PeerSense is a capital advisory firm. Talk to PeerSense about a colleges, universities, and professional schools file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Education Industries

Sports and Recreation Instruction

5,522 loans · N/A
Avg: $355K

All Other Miscellaneous Schools and Instruction

3,360 loans · N/A
Avg: $287K

Fine Arts Schools

3,014 loans · N/A
Avg: $226K

Educational Support Services

2,554 loans · N/A
Avg: $216K

Elementary and Secondary Schools

2,091 loans · N/A
Avg: $793K

Other Technical and Trade Schools

1,425 loans · N/A
Avg: $322K

Data aggregated from SBA loan records (1992 to 2025). Colleges, Universities, and Professional Schools defined by NAICS code 611310. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.