How Much Can Music Publishers Businesses Get in SBA Loans?
165 SBA loans totaling $19.2M have been approved for music publishers businesses (NAICS 512230). The average approved SBA loan is $116K, which is 66% below avg the $340K national average. 64 active lenders fund this industry with a 30.8% default rate on the matured 2018-2021 loan cohort.
At 30.8%, Music Publishers 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 512230 (Music Publishers) received 165 SBA loans worth $19.2M across 5+ states. Average loan $116K, average term 88 months, 30.8% default rate (resolved-loan basis).64 active SBA-approved lenders fund this industry. Most music publishers loans use the SBA 7(a) program. There are approximately 886 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Music Publishers?+100% growth
Which SBA Program Do Music Publishers Businesses Use Most?
What Is the Best SBA Loan for Music Publishers?
The most widely used SBA program for music publishers businesses — flexible terms, multiple use cases
Where Are Music Publishers SBA Loans Most Common?
Top SBA Lenders for Music Publishers
These banks have funded the most SBA loans for music publishers businesses (NAICS 512230). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 23 | $527K |
| 2 | Bank of Hope(CA) | 21 | $320K |
| 3 | VelocitySBA, LLC(TX) | 12 | $95K |
| 4 | Wells Fargo Bank National Association(SD) | 11 | $195K |
| 5 | JPMorgan Chase Bank, National Association(OH) | 9 | $572K |
Music Publishers Industry Context
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How Does SBA Lending Work for Music Publishers Businesses?
Across all SBA loan programs, 165 loans have been approved for businesses classified under NAICS 512230 (Music Publishers), representing $19.2M in total capital deployed. The average approved loan of $116K is 66% below avg the national SBA average of $340K, with typical repayment terms of 88 months.
SBA lending for music publishers is accelerating — loan volume has grown approximately 100% 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 music publishers 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 music publishers 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 — Music Publishers SBA Loans
What is the average SBA loan size for music publishers businesses?
Which SBA loan program is best for a music publishers business?
How many lenders fund SBA loans for music publishers?
What states have the most SBA lending for music publishers?
How does PeerSense help music publishers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Music Publishers defined by NAICS code 512230. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.