How Much Can Pet Care (except Veterinary) Services Businesses Get in SBA Loans?
8,221 SBA loans totaling $3.0B have been approved for pet care (except veterinary) services businesses (NAICS 812910). The average approved SBA loan is $370K, which is 9% above avg the $340K national average. 1025 active lenders fund this industry with a 11.0% default rate on the matured 2018-2021 loan cohort.
At 11.0%, Pet Care (except Veterinary) Services 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 812910 (Pet Care (except Veterinary) Services) received 8,221 SBA loans worth $3.0B across 5+ states. Average loan $370K, average term 153 months, 11.0% default rate (resolved-loan basis).1025 active SBA-approved lenders fund this industry. Most pet care (except veterinary) services loans use the SBA 7(a) program. There are approximately 24,267 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Pet Care (except Veterinary) Services?+35% growth
Which SBA Program Do Pet Care (except Veterinary) Services Businesses Use Most?
What Is the Best SBA Loan for Pet Care (except Veterinary) Services?
The most widely used SBA program for pet care (except veterinary) services businesses — flexible terms, multiple use cases
Where Are Pet Care (except Veterinary) Services SBA Loans Most Common?
Top SBA Lenders for Pet Care (except Veterinary) Services
These banks have funded the most SBA loans for pet care (except veterinary) services businesses (NAICS 812910). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 748 | $155.9M |
| 2 | Wells Fargo Bank National Association(SD) | 514 | $186.5M |
| 3 | U.S. Bank, National Association(OH) | 290 | $73.6M |
| 4 | Live Oak Banking Company(NC) | 203 | $251.1M |
| 5 | TD Bank, National Association(DE) | 189 | $32.3M |
Pet Care (except Veterinary) Services Industry Context
Ready to Fund Your Pet Care (except Veterinary) Services Business?
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How Does SBA Lending Work for Pet Care (except Veterinary) Services Businesses?
Across all SBA loan programs, 8,221 loans have been approved for businesses classified under NAICS 812910 (Pet Care (except Veterinary) Services), representing $3.0B in total capital deployed. The average approved loan of $370K is 9% above avg the national SBA average of $340K, with typical repayment terms of 153 months.
SBA lending for pet care (except veterinary) services is accelerating — loan volume has grown approximately 35% 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 11% 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 pet care (except veterinary) services 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 — Pet Care (except Veterinary) Services SBA Loans
What is the average SBA loan size for pet care (except veterinary) services businesses?
Which SBA loan program is best for a pet care (except veterinary) services business?
How many lenders fund SBA loans for pet care (except veterinary) services?
What states have the most SBA lending for pet care (except veterinary) services?
How does PeerSense help pet care (except veterinary) services businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Pet Care (except Veterinary) Services defined by NAICS code 812910. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.