How Much Can Consumer Lending Businesses Get in SBA Loans?
38 SBA loans totaling $9.9M have been approved for consumer lending businesses (NAICS 522291). The average approved SBA loan is $261K, which is 23% below avg the $340K national average. 25 active lenders fund this industry.
NAICS 522291 (Consumer Lending) received 38 SBA loans worth $9.9M across 5+ states. Average loan $261K, average term 121 months.25 active SBA-approved lenders fund this industry. Most consumer lending loans use the SBA 7(a) program. There are approximately 13,845 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Consumer Lending?-50% decline
Which SBA Program Do Consumer Lending Businesses Use Most?
What Is the Best SBA Loan for Consumer Lending?
The most widely used SBA program for consumer lending businesses: flexible terms, multiple use cases
Where Are Consumer Lending SBA Loans Most Common?
SBA Lending Activity in Consumer Lending
25 SBA lenders have funded 38 loans to consumer lending businesses (NAICS 522291). 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.
Consumer Lending Industry Context
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PeerSense places SBA loans for consumer lending businesses nationwide. We match you with the right capital source. Referral fee at closing.
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How Does SBA Lending Work for Consumer Lending Businesses?
Across all SBA loan programs, 38 loans have been approved for businesses classified under NAICS 522291 (Consumer Lending), representing $9.9M in total capital deployed. The average approved loan of $261K is 23% below avg the national SBA average of $340K, with typical repayment terms of 121 months.
SBA lending for consumer lending has contracted approximately 50% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 25 lenders remain active, maintaining competitive options for qualified borrowers.
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.
PeerSense specializes in matching consumer lending 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 100+ SBA-approved lenders to find the best terms. Our referral fee is established upfront and paid at closing.
Frequently Asked Questions: Consumer Lending SBA Loans
What is the average SBA loan size for consumer lending businesses?
Which SBA loan program is best for a consumer lending business?
How many lenders fund SBA loans for consumer lending?
What states have the most SBA lending for consumer lending?
How does PeerSense help consumer lending businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Consumer Lending defined by NAICS code 522291. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.