How Much Can Parking Lots and Garages Businesses Get in SBA Loans?
334 SBA loans totaling $166.6M have been approved for parking lots and garages businesses (NAICS 812930). The average approved SBA loan is $499K, which is 46% above avg the $340K national average. 131 active lenders fund this industry with a 11.2% default rate on the matured 2018-2021 loan cohort.
At 11.2%, Parking Lots and Garages sits below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — moderate 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 812930 (Parking Lots and Garages) received 334 SBA loans worth $166.6M across 5+ states. Average loan $499K, average term 153 months, 11.2% default rate (resolved-loan basis).131 active SBA-approved lenders fund this industry. Most parking lots and garages loans use the SBA 7(a) program. There are approximately 11,944 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Parking Lots and Garages?-27% decline
Which SBA Program Do Parking Lots and Garages Businesses Use Most?
What Is the Best SBA Loan for Parking Lots and Garages?
The most widely used SBA program for parking lots and garages businesses — flexible terms, multiple use cases
Where Are Parking Lots and Garages SBA Loans Most Common?
Top SBA Lenders for Parking Lots and Garages
These banks have funded the most SBA loans for parking lots and garages businesses (NAICS 812930). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 19 | $1.2M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 19 | $1.3M |
| 3 | Bank of America, National Association(NC) | 18 | $873K |
| 4 | U.S. Bank, National Association(OH) | 14 | $7.5M |
| 5 | Enterprise Bank & Trust(MO) | 13 | $8.6M |
Parking Lots and Garages Industry Context
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PeerSense places SBA loans for parking lots and garages 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 Parking Lots and Garages Businesses?
Across all SBA loan programs, 334 loans have been approved for businesses classified under NAICS 812930 (Parking Lots and Garages), representing $166.6M in total capital deployed. The average approved loan of $499K is 46% above avg the national SBA average of $340K, with typical repayment terms of 153 months.
SBA lending for parking lots and garages has contracted approximately 27% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 131 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 15% 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 parking lots and garages 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 — Parking Lots and Garages SBA Loans
What is the average SBA loan size for parking lots and garages businesses?
Which SBA loan program is best for a parking lots and garages business?
How many lenders fund SBA loans for parking lots and garages?
What states have the most SBA lending for parking lots and garages?
How does PeerSense help parking lots and garages businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Parking Lots and Garages defined by NAICS code 812930. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.