How Much Can Employee Leasing Services Businesses Get in SBA Loans?
411 SBA loans totaling $143.8M have been approved for employee leasing services businesses (NAICS 561330). The average approved SBA loan is $350K, which is near national avg the $340K national average. 129 active lenders fund this industry with a 18.0% default rate on the matured 2018-2021 loan cohort.
At 18.0%, Employee Leasing Services 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 561330 (Employee Leasing Services) received 411 SBA loans worth $143.8M across 5+ states. Average loan $350K, average term 96 months, 18.0% default rate (resolved-loan basis).129 active SBA-approved lenders fund this industry. Most employee leasing services loans use the SBA 7(a) program. There are approximately 4,161 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Employee Leasing Services?
Which SBA Program Do Employee Leasing Services Businesses Use Most?
What Is the Best SBA Loan for Employee Leasing Services?
The most widely used SBA program for employee leasing services businesses — flexible terms, multiple use cases
Where Are Employee Leasing Services SBA Loans Most Common?
Top SBA Lenders for Employee Leasing Services
These banks have funded the most SBA loans for employee leasing services businesses (NAICS 561330). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of Hope(CA) | 38 | $535K |
| 2 | Bank of America, National Association(NC) | 23 | $1.9M |
| 3 | Wells Fargo Bank National Association(SD) | 23 | $1.7M |
| 4 | JPMorgan Chase Bank, National Association(OH) | 22 | $2.8M |
| 5 | U.S. Bank, National Association(OH) | 19 | $16.6M |
Employee Leasing Services Industry Context
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How Does SBA Lending Work for Employee Leasing Services Businesses?
Across all SBA loan programs, 411 loans have been approved for businesses classified under NAICS 561330 (Employee Leasing Services), representing $143.8M in total capital deployed. The average approved loan of $350K is near national avg the national SBA average of $340K, with typical repayment terms of 96 months.
SBA lending for employee leasing services has remained relatively stable across recent fiscal years. 129 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The industry sees a balanced mix of SBA programs, with 6% 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 employee leasing services 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 — Employee Leasing Services SBA Loans
What is the average SBA loan size for employee leasing services businesses?
Which SBA loan program is best for a employee leasing services business?
How many lenders fund SBA loans for employee leasing services?
What states have the most SBA lending for employee leasing services?
How does PeerSense help employee leasing services businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Employee Leasing Services defined by NAICS code 561330. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.