How Much Can Home and Garden Equipment Repair and Maintenance Businesses Get in SBA Loans?
737 SBA loans totaling $99.7M have been approved for home and garden equipment repair and maintenance businesses (NAICS 811411). The average approved SBA loan is $135K, which is 60% below avg the $340K national average. 217 active lenders fund this industry with a 19.5% default rate on the matured 2018-2021 loan cohort.
At 19.5%, Home and Garden Equipment Repair and Maintenance sits well above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — elevated 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 811411 (Home and Garden Equipment Repair and Maintenance) received 737 SBA loans worth $99.7M across 5+ states. Average loan $135K, average term 104 months, 19.5% default rate (resolved-loan basis).217 active SBA-approved lenders fund this industry. Most home and garden equipment repair and maintenance loans use the SBA 7(a) program. There are approximately 1,704 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Home and Garden Equipment Repair and Maintenance?+141% growth
Which SBA Program Do Home and Garden Equipment Repair and Maintenance Businesses Use Most?
What Is the Best SBA Loan for Home and Garden Equipment Repair and Maintenance?
The most widely used SBA program for home and garden equipment repair and maintenance businesses — flexible terms, multiple use cases
Where Are Home and Garden Equipment Repair and Maintenance SBA Loans Most Common?
Top SBA Lenders for Home and Garden Equipment Repair and Maintenance
These banks have funded the most SBA loans for home and garden equipment repair and maintenance businesses (NAICS 811411). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | U.S. Bank, National Association(OH) | 80 | $8.5M |
| 2 | The Huntington National Bank(OH) | 56 | $7.3M |
| 3 | Bank of America, National Association(NC) | 43 | $1.1M |
| 4 | JPMorgan Chase Bank, National Association(OH) | 38 | $4.3M |
| 5 | PNC Bank, National Association(DE) | 32 | $3.3M |
Home and Garden Equipment Repair and Maintenance Industry Context
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PeerSense places SBA loans for home and garden equipment repair and maintenance 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 Home and Garden Equipment Repair and Maintenance Businesses?
Across all SBA loan programs, 737 loans have been approved for businesses classified under NAICS 811411 (Home and Garden Equipment Repair and Maintenance), representing $99.7M in total capital deployed. The average approved loan of $135K is 60% below avg the national SBA average of $340K, with typical repayment terms of 104 months.
SBA lending for home and garden equipment repair and maintenance is accelerating — loan volume has grown approximately 141% 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 overwhelming majority of SBA lending for home and garden equipment repair and maintenance 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 home and garden equipment repair and maintenance 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 — Home and Garden Equipment Repair and Maintenance SBA Loans
What is the average SBA loan size for home and garden equipment repair and maintenance businesses?
Which SBA loan program is best for a home and garden equipment repair and maintenance business?
How many lenders fund SBA loans for home and garden equipment repair and maintenance?
What states have the most SBA lending for home and garden equipment repair and maintenance?
How does PeerSense help home and garden equipment repair and maintenance businesses get SBA loans?
Related Other Services Industries
General Automotive Repair
Beauty Salons
Drycleaning and Laundry Services (except Coin-Operated)
Automotive Body, Paint, and Interior Repair and Maintenance
Car Washes
All Other Personal Services
Data aggregated from SBA loan records (1992–2025). Home and Garden Equipment Repair and Maintenance defined by NAICS code 811411. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.