How Much Can Recreational Goods Rental Businesses Get in SBA Loans?
412 SBA loans totaling $124.0M have been approved for recreational goods rental businesses (NAICS 532284). The average approved SBA loan is $301K, which is 12% below avg the $340K national average. 154 active lenders fund this industry with a 5.7% default rate on the matured 2018-2021 loan cohort.
At 5.7%, Recreational Goods Rental sits well below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — low 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 532284 (Recreational Goods Rental) received 412 SBA loans worth $124.0M across 5+ states. Average loan $301K, average term 128 months, 5.7% default rate (resolved-loan basis).154 active SBA-approved lenders fund this industry. Most recreational goods rental loans use the SBA 7(a) program. There are approximately 2,924 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Recreational Goods Rental?+26% growth
Which SBA Program Do Recreational Goods Rental Businesses Use Most?
What Is the Best SBA Loan for Recreational Goods Rental?
The most widely used SBA program for recreational goods rental businesses — flexible terms, multiple use cases
Where Are Recreational Goods Rental SBA Loans Most Common?
Top SBA Lenders for Recreational Goods Rental
These banks have funded the most SBA loans for recreational goods rental businesses (NAICS 532284). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 28 | $2.5M |
| 2 | The Huntington National Bank(OH) | 24 | $1.2M |
| 3 | Newtek Bank, National Association(FL) | 19 | $4.0M |
| 4 | Northwest Bank(ID) | 17 | $1.9M |
| 5 | TD Bank, National Association(DE) | 13 | $1.6M |
Recreational Goods Rental Industry Context
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PeerSense places SBA loans for recreational goods rental 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 Recreational Goods Rental Businesses?
Across all SBA loan programs, 412 loans have been approved for businesses classified under NAICS 532284 (Recreational Goods Rental), representing $124.0M in total capital deployed. The average approved loan of $301K is 12% below avg the national SBA average of $340K, with typical repayment terms of 128 months.
SBA lending for recreational goods rental is accelerating — loan volume has grown approximately 26% 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 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 recreational goods rental 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 — Recreational Goods Rental SBA Loans
What is the average SBA loan size for recreational goods rental businesses?
Which SBA loan program is best for a recreational goods rental business?
How many lenders fund SBA loans for recreational goods rental?
What states have the most SBA lending for recreational goods rental?
How does PeerSense help recreational goods rental businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Recreational Goods Rental defined by NAICS code 532284. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.