How Much Can One-Hour Photofinishing Businesses Get in SBA Loans?
93 SBA loans totaling $10.7M have been approved for one-hour photofinishing businesses (NAICS 812922). The average approved SBA loan is $115K, which is 66% below avg the $340K national average. 52 active lenders fund this industry.
NAICS 812922 (One-Hour Photofinishing) received 93 SBA loans worth $10.7M across 5+ states. Average loan $115K, average term 92 months.52 active SBA-approved lenders fund this industry. Most one-hour photofinishing loans use the SBA 7(a) program. There are approximately 98 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for One-Hour Photofinishing?
Which SBA Program Do One-Hour Photofinishing Businesses Use Most?
What Is the Best SBA Loan for One-Hour Photofinishing?
The most widely used SBA program for one-hour photofinishing businesses — flexible terms, multiple use cases
Where Are One-Hour Photofinishing SBA Loans Most Common?
Top SBA Lenders for One-Hour Photofinishing
These banks have funded the most SBA loans for one-hour photofinishing businesses (NAICS 812922). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 10 | $424K |
| 2 | BMO Bank National Association(IL) | 5 | $845K |
| 3 | Wells Fargo Bank National Association(SD) | 5 | $552K |
| 4 | COFSB, National Association(VA) | 4 | $125K |
| 5 | Citizens Bank, National Association(RI) | 4 | $230K |
One-Hour Photofinishing Industry Context
Ready to Fund Your One-Hour Photofinishing Business?
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How Does SBA Lending Work for One-Hour Photofinishing Businesses?
Across all SBA loan programs, 93 loans have been approved for businesses classified under NAICS 812922 (One-Hour Photofinishing), representing $10.7M in total capital deployed. The average approved loan of $115K is 66% below avg the national SBA average of $340K, with typical repayment terms of 92 months.
SBA lending for one-hour photofinishing has remained relatively stable across recent fiscal years. 52 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The overwhelming majority of SBA lending for one-hour photofinishing 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 one-hour photofinishing 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 — One-Hour Photofinishing SBA Loans
What is the average SBA loan size for one-hour photofinishing businesses?
Which SBA loan program is best for a one-hour photofinishing business?
How many lenders fund SBA loans for one-hour photofinishing?
What states have the most SBA lending for one-hour photofinishing?
How does PeerSense help one-hour photofinishing businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). One-Hour Photofinishing defined by NAICS code 812922. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.