How Much Can Other Personal and Household Goods Repair and Maintenance Businesses Get in SBA Loans?
3,790 SBA loans totaling $663.6M have been approved for other personal and household goods repair and maintenance businesses (NAICS 811490). The average approved SBA loan is $175K, which is 49% below avg the $340K national average. 606 active lenders fund this industry with a 18.0% default rate on the matured 2018-2021 loan cohort.
At 18.0%, Other Personal and Household Goods Repair and Maintenance 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 811490 (Other Personal and Household Goods Repair and Maintenance) received 3,790 SBA loans worth $663.6M across 5+ states. Average loan $175K, average term 115 months, 18.0% default rate (resolved-loan basis).606 active SBA-approved lenders fund this industry. Most other personal and household goods repair and maintenance loans use the SBA 7(a) program. There are approximately 11,007 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Other Personal and Household Goods Repair and Maintenance?+37% growth
Which SBA Program Do Other Personal and Household Goods Repair and Maintenance Businesses Use Most?
What Is the Best SBA Loan for Other Personal and Household Goods Repair and Maintenance?
The most widely used SBA program for other personal and household goods repair and maintenance businesses — flexible terms, multiple use cases
Where Are Other Personal and Household Goods Repair and Maintenance SBA Loans Most Common?
Top SBA Lenders for Other Personal and Household Goods Repair and Maintenance
These banks have funded the most SBA loans for other personal and household goods repair and maintenance businesses (NAICS 811490). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 317 | $9.2M |
| 2 | U.S. Bank, National Association(OH) | 219 | $26.8M |
| 3 | Wells Fargo Bank National Association(SD) | 213 | $29.0M |
| 4 | JPMorgan Chase Bank, National Association(OH) | 173 | $12.7M |
| 5 | The Huntington National Bank(OH) | 163 | $16.8M |
Other Personal and Household Goods Repair and Maintenance Industry Context
Ready to Fund Your Other Personal and Household Goods Repair and Maintenance Business?
PeerSense places SBA loans for other personal and household goods 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 Other Personal and Household Goods Repair and Maintenance Businesses?
Across all SBA loan programs, 3,790 loans have been approved for businesses classified under NAICS 811490 (Other Personal and Household Goods Repair and Maintenance), representing $663.6M in total capital deployed. The average approved loan of $175K is 49% below avg the national SBA average of $340K, with typical repayment terms of 115 months.
SBA lending for other personal and household goods repair and maintenance is accelerating — loan volume has grown approximately 37% 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 7% 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 other personal and household goods 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 — Other Personal and Household Goods Repair and Maintenance SBA Loans
What is the average SBA loan size for other personal and household goods repair and maintenance businesses?
Which SBA loan program is best for a other personal and household goods repair and maintenance business?
How many lenders fund SBA loans for other personal and household goods repair and maintenance?
What states have the most SBA lending for other personal and household goods repair and maintenance?
How does PeerSense help other personal and household goods 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). Other Personal and Household Goods Repair and Maintenance defined by NAICS code 811490. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.