How Much Can Direct Property and Casualty Insurance Carriers Businesses Get in SBA Loans?
322 SBA loans totaling $50.0M have been approved for direct property and casualty insurance carriers businesses (NAICS 524126). The average approved SBA loan is $155K, which is 54% below avg the $340K national average. 128 active lenders fund this industry with a 16.2% default rate on the matured 2018-2021 loan cohort.
At 16.2%, Direct Property and Casualty Insurance Carriers 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. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 524126 (Direct Property and Casualty Insurance Carriers) received 322 SBA loans worth $50.0M across 5+ states. Average loan $155K, average term 103 months, 16.2% default rate (resolved-loan basis).128 active SBA-approved lenders fund this industry. Most direct property and casualty insurance carriers loans use the SBA 7(a) program. There are approximately 12,721 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Direct Property and Casualty Insurance Carriers?+27% growth
Which SBA Program Do Direct Property and Casualty Insurance Carriers Businesses Use Most?
What Is the Best SBA Loan for Direct Property and Casualty Insurance Carriers?
The most widely used SBA program for direct property and casualty insurance carriers businesses — flexible terms, multiple use cases
Where Are Direct Property and Casualty Insurance Carriers SBA Loans Most Common?
Top SBA Lenders for Direct Property and Casualty Insurance Carriers
These banks have funded the most SBA loans for direct property and casualty insurance carriers businesses (NAICS 524126). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Capital One, National Association(VA) | 47 | $1.9M |
| 2 | The Huntington National Bank(OH) | 34 | $2.6M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 14 | $1.2M |
| 4 | Manufacturers and Traders Trust Company(NY) | 14 | $1.6M |
| 5 | U.S. Bank, National Association(OH) | 12 | $786K |
Direct Property and Casualty Insurance Carriers Industry Context
Ready to Fund Your Direct Property and Casualty Insurance Carriers Business?
PeerSense places SBA loans for direct property and casualty insurance carriers businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
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How Does SBA Lending Work for Direct Property and Casualty Insurance Carriers Businesses?
Across all SBA loan programs, 322 loans have been approved for businesses classified under NAICS 524126 (Direct Property and Casualty Insurance Carriers), representing $50.0M in total capital deployed. The average approved loan of $155K is 54% below avg the national SBA average of $340K, with typical repayment terms of 103 months.
SBA lending for direct property and casualty insurance carriers is accelerating — loan volume has grown approximately 27% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2020.
The overwhelming majority of SBA lending for direct property and casualty insurance carriers uses the 7(a) program, which provides the most flexibility — covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.
PeerSense specializes in matching direct property and casualty insurance carriers 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 — Direct Property and Casualty Insurance Carriers SBA Loans
What is the average SBA loan size for direct property and casualty insurance carriers businesses?
Which SBA loan program is best for a direct property and casualty insurance carriers business?
How many lenders fund SBA loans for direct property and casualty insurance carriers?
What states have the most SBA lending for direct property and casualty insurance carriers?
How does PeerSense help direct property and casualty insurance carriers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Direct Property and Casualty Insurance Carriers defined by NAICS code 524126. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.