How Much Can Language Schools Businesses Get in SBA Loans?
184 SBA loans totaling $60.5M have been approved for language schools businesses (NAICS 611630). The average approved SBA loan is $329K, which is 3% below avg the $340K national average. 70 active lenders fund this industry with a 16.1% default rate on the matured 2018-2021 loan cohort.
At 16.1%, Language Schools 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 611630 (Language Schools) received 184 SBA loans worth $60.5M across 5+ states. Average loan $329K, average term 125 months, 16.1% default rate (resolved-loan basis).70 active SBA-approved lenders fund this industry. Most language schools loans use the SBA 7(a) program. There are approximately 1,584 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Language Schools?+133% growth
Which SBA Program Do Language Schools Businesses Use Most?
What Is the Best SBA Loan for Language Schools?
The most widely used SBA program for language schools businesses — flexible terms, multiple use cases
Where Are Language Schools SBA Loans Most Common?
Top SBA Lenders for Language Schools
These banks have funded the most SBA loans for language schools businesses (NAICS 611630). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 18 | $3.4M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 17 | $2.3M |
| 3 | Bank of America, National Association(NC) | 13 | $648K |
| 4 | U.S. Bank, National Association(OH) | 9 | $3.0M |
| 5 | Bank of Hope(CA) | 8 | $3.7M |
Language Schools Industry Context
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How Does SBA Lending Work for Language Schools Businesses?
Across all SBA loan programs, 184 loans have been approved for businesses classified under NAICS 611630 (Language Schools), representing $60.5M in total capital deployed. The average approved loan of $329K is 3% below avg the national SBA average of $340K, with typical repayment terms of 125 months.
SBA lending for language schools is accelerating — loan volume has grown approximately 133% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2017.
The industry sees a balanced mix of SBA programs, with 9% 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 language schools 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 — Language Schools SBA Loans
What is the average SBA loan size for language schools businesses?
Which SBA loan program is best for a language schools business?
How many lenders fund SBA loans for language schools?
What states have the most SBA lending for language schools?
How does PeerSense help language schools businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Language Schools defined by NAICS code 611630. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.