How Much Can Painting and Wall Covering Businesses Get in SBA Loans?
1,641 SBA loans totaling $203.5M have been approved for painting and wall covering businesses (NAICS 235210). The average approved SBA loan is $124K, which is 64% below avg the $340K national average. 328 active lenders fund this industry with a 18.2% default rate on the matured 2018-2021 loan cohort.
At 18.2%, Painting and Wall Covering 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 235210 (Painting and Wall Covering) received 1,641 SBA loans worth $203.5M across 5+ states. Average loan $124K, average term 100 months, 18.2% default rate (resolved-loan basis).328 active SBA-approved lenders fund this industry. Most painting and wall covering loans use the SBA 7(a) program.
Which SBA Program Do Painting and Wall Covering Businesses Use Most?
What Is the Best SBA Loan for Painting and Wall Covering?
The most widely used SBA program for painting and wall covering businesses — flexible terms, multiple use cases
Where Are Painting and Wall Covering SBA Loans Most Common?
Top SBA Lenders for Painting and Wall Covering
These banks have funded the most SBA loans for painting and wall covering businesses (NAICS 235210). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of Hope(CA) | 177 | $3.5M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 155 | $10.6M |
| 3 | Bank of America, National Association(NC) | 135 | $6.8M |
| 4 | Wells Fargo Bank National Association(SD) | 98 | $13.3M |
| 5 | Citizens Bank, National Association(RI) | 64 | $2.3M |
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PeerSense places SBA loans for painting and wall covering 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 Painting and Wall Covering Businesses?
Across all SBA loan programs, 1,641 loans have been approved for businesses classified under NAICS 235210 (Painting and Wall Covering), representing $203.5M in total capital deployed. The average approved loan of $124K is 64% below avg the national SBA average of $340K, with typical repayment terms of 100 months.
SBA lending for painting and wall covering has remained relatively stable across recent fiscal years. 328 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
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 painting and wall covering 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 — Painting and Wall Covering SBA Loans
What is the average SBA loan size for painting and wall covering businesses?
Which SBA loan program is best for a painting and wall covering business?
How many lenders fund SBA loans for painting and wall covering?
What states have the most SBA lending for painting and wall covering?
How does PeerSense help painting and wall covering businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Painting and Wall Covering defined by NAICS code 235210. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.