How Much Can Photofinishing Laboratories (except One-Hour) Businesses Get in SBA Loans?
353 SBA loans totaling $70.5M have been approved for photofinishing laboratories (except one-hour) businesses (NAICS 812921). The average approved SBA loan is $200K, which is 41% below avg the $340K national average. 132 active lenders fund this industry with a 30.1% default rate on the matured 2018-2021 loan cohort.
At 30.1%, Photofinishing Laboratories (except One-Hour) sits well above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — elevated 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 812921 (Photofinishing Laboratories (except One-Hour)) received 353 SBA loans worth $70.5M across 5+ states. Average loan $200K, average term 100 months, 30.1% default rate (resolved-loan basis).132 active SBA-approved lenders fund this industry. Most photofinishing laboratories (except one-hour) loans use the SBA 7(a) program. There are approximately 357 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Photofinishing Laboratories (except One-Hour)?+100% growth
Which SBA Program Do Photofinishing Laboratories (except One-Hour) Businesses Use Most?
What Is the Best SBA Loan for Photofinishing Laboratories (except One-Hour)?
The most widely used SBA program for photofinishing laboratories (except one-hour) businesses — flexible terms, multiple use cases
Where Are Photofinishing Laboratories (except One-Hour) SBA Loans Most Common?
Top SBA Lenders for Photofinishing Laboratories (except One-Hour)
These banks have funded the most SBA loans for photofinishing laboratories (except one-hour) businesses (NAICS 812921). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 31 | $1.2M |
| 2 | Wells Fargo Bank National Association(SD) | 21 | $2.6M |
| 3 | U.S. Bank, National Association(OH) | 21 | $8.4M |
| 4 | Citizens Bank, National Association(RI) | 18 | $966K |
| 5 | JPMorgan Chase Bank, National Association(OH) | 18 | $955K |
Photofinishing Laboratories (except One-Hour) Industry Context
Ready to Fund Your Photofinishing Laboratories (except One-Hour) Business?
PeerSense places SBA loans for photofinishing laboratories (except one-hour) 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 Photofinishing Laboratories (except One-Hour) Businesses?
Across all SBA loan programs, 353 loans have been approved for businesses classified under NAICS 812921 (Photofinishing Laboratories (except One-Hour)), representing $70.5M in total capital deployed. The average approved loan of $200K is 41% below avg the national SBA average of $340K, with typical repayment terms of 100 months.
SBA lending for photofinishing laboratories (except one-hour) is accelerating — loan volume has grown approximately 100% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2018.
The industry sees a balanced mix of SBA programs, with 5% 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 photofinishing laboratories (except one-hour) 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 — Photofinishing Laboratories (except One-Hour) SBA Loans
What is the average SBA loan size for photofinishing laboratories (except one-hour) businesses?
Which SBA loan program is best for a photofinishing laboratories (except one-hour) business?
How many lenders fund SBA loans for photofinishing laboratories (except one-hour)?
What states have the most SBA lending for photofinishing laboratories (except one-hour)?
How does PeerSense help photofinishing laboratories (except one-hour) businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Photofinishing Laboratories (except One-Hour) defined by NAICS code 812921. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.