What is the SBA loan default rate for Commercial Photography?

At 15.6%, Commercial Photography 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 rate is measured on the resolved loans (paid in full or charged off), loans that have reached a final outcome. 266 lenders actively fund this industry.

Which SBA program is best for Commercial Photography?

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

NAICS 541922Professional & Technical ServicesLending Growing

How Much Can Commercial Photography Businesses Get in SBA Loans?

Name: PeerSense
Address: Westfield, Westfield, IN, 46074, US
Telephone: +13174526990
Price range: Referral fee at closing

1,241 SBA loans totaling $188.8M have been approved for commercial photography businesses (NAICS 541922). The average approved SBA loan is $152K, which is 55% below avg the $340K national average. 266 active lenders fund this industry with a 15.6% default rate on the matured 2018-2021 loan cohort.

Above average default risk15.6% vs 15.4% all industry avg

At 15.6%, Commercial Photography 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 541922 (Commercial Photography) received 1,241 SBA loans worth $188.8M across 5+ states. Average loan $152K, average term 109 months, 15.6% default rate (resolved loan basis).266 active SBA approved lenders fund this industry. Most commercial photography loans use the SBA 7(a) program. There are approximately 4,934 U.S. establishments in this industry (Census 2022).

1,241

Total SBA Loans

$188.8M

Total Volume

$152K

Avg Loan Size

55% below avg

266

Active Lenders

109 mo

Avg Term

16% below avg

5,947

Jobs Supported

Is SBA Lending Growing for Commercial Photography?+73% growth

$7.5M

$4.9M

$3.0M

$11.9M

$3.0M

$6.6M

$4.3M

$18.2M

$11.6M

$9.2M

Which SBA Program Do Commercial Photography Businesses Use Most?

SBA 7(a)1,142 (92%)

SBA 50499 (8%)

What Is the Best SBA Loan for Commercial Photography?

SBA 7(a)

The most widely used SBA program for commercial photography businesses: flexible terms, multiple use cases

Industry avg loan: $152K

Typical term: 109 months

Historical avg rate: 7.98%

266+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 15.6%

Where Are Commercial Photography SBA Loans Most Common?

186 loans

$43.0M

148 loans

$12.5M

90 loans

$13.4M

58 loans

$14.5M

56 loans

$7.0M

SBA Lending Activity in Commercial Photography

266 SBA lenders have funded 1,241 loans to commercial photography businesses (NAICS 541922). 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

1,241

Active lenders

266

Total volume

$188.8M

Avg loan size

$152K

Browse all SBA lenders

Commercial Photography Industry Context

U.S. Establishments

4,934

U.S. Census Bureau · 2022

SBA Penetration

25.15%

SBA loans per establishment

Talk to PeerSense

PeerSense sources capital for commercial photography 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 Commercial Photography 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

By checking this box and submitting my information, I electronically sign and agree that PeerSense, Inc. and its affiliates, funding partners, and franchise partners may contact me at the email address and phone number I provided, including by phone call, SMS/text message (including autodialed, prerecorded, or artificial voice messages), and email, for marketing, franchise research, and funding related purposes, even if that number is on any Do Not Call list. Message and data rates may apply. Consent is not a condition of purchase. I may opt out at any time by replying STOP to texts or emailing info@peersense.com. I have read and agree to the Privacy Policy and Terms of Service.

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

How Does SBA Lending Work for Commercial Photography Businesses?

Across all SBA loan programs, 1,241 loans have been approved for businesses classified under NAICS 541922 (Commercial Photography), representing $188.8M in total capital deployed. The average approved loan of $152K is 55% below avg the national SBA average of $340K, with typical repayment terms of 109 months.

SBA lending for commercial photography is accelerating. Loan volume has grown approximately 73% 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 8% 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 commercial photography file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

SBA Loan Guide SBA Calculator SBA Lender Directory Industry Data Hub Current SBA Rates Contact Us

Frequently Asked Questions: Commercial Photography SBA Loans

What is the average SBA loan size for commercial photography businesses?

Based on 1,241 approved SBA loans, the average loan size for commercial photography (NAICS 541922) is $152K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a commercial photography business?

SBA 7(a) is the most commonly used SBA program for commercial photography businesses. The most widely used SBA program for commercial photography businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for commercial photography?

266 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 commercial photography file.

What states have the most SBA lending for commercial photography?

CA leads with 186 SBA loans and $43.0M in total volume for commercial photography businesses. NY, TX, IL also show strong lending activity in this sector.

How does PeerSense help commercial photography businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a commercial photography file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Professional & Technical Services Industries

Offices of Lawyers

Veterinary Services

Engineering Services

All Other Professional, Scientific, and Technical Services

11,297 loans · N/A

Avg: $357K

Custom Computer Programming Services

9,986 loans · N/A

Avg: $242K

Offices of Certified Public Accountants

9,563 loans · N/A

Avg: $291K

Data aggregated from SBA loan records (1992 to 2025). Commercial Photography defined by NAICS code 541922. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.