How Much Can Private Households Businesses Get in SBA Loans?
237 SBA loans totaling $92.4M have been approved for private households businesses (NAICS 814110). The average approved SBA loan is $390K, which is 14% above avg the $340K national average. 45 active lenders fund this industry with a 5.5% default rate on the matured 2018-2021 loan cohort.
At 5.5%, Private Households sits well below the 15.4% all industry SBA default rate (charged off as a share of resolved loans), low default risk relative to other SBA industries. The capital source prices this risk into rate and structure.
NAICS 814110 (Private Households) received 237 SBA loans worth $92.4M across 5+ states. Average loan $390K, average term 189 months, 5.5% default rate (resolved loan basis).45 active SBA approved lenders fund this industry. Most private households loans use the SBA 7(a) program. There are approximately 797,836 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Private Households?-89% decline
Which SBA Program Do Private Households Businesses Use Most?
What Is the Best SBA Loan for Private Households?
The most widely used SBA program for private households businesses: flexible terms, multiple use cases
Where Are Private Households SBA Loans Most Common?
SBA Lending Activity in Private Households
45 SBA lenders have funded 237 loans to private households businesses (NAICS 814110). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.
Private Households Industry Context
Talk to PeerSense
PeerSense sources capital for private households businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Talk to PeerSense about financing a Private Households business.
Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.
SBA 7(a) / 504: PeerSense will reach out. No obligation.
How Does SBA Lending Work for Private Households Businesses?
Across all SBA loan programs, 237 loans have been approved for businesses classified under NAICS 814110 (Private Households), representing $92.4M in total capital deployed. The average approved loan of $390K is 14% above avg the national SBA average of $340K, with typical repayment terms of 189 months.
SBA lending for private households has contracted approximately 89% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 45 lenders remain active, maintaining competitive options for qualified borrowers.
The overwhelming majority of SBA lending for private households uses the 7(a) program, which provides the most flexibility, covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.
Talk to PeerSense about a private households file. The capital source sets the terms. The desk fee is paid at closing, never upfront.
Frequently Asked Questions: Private Households SBA Loans
What is the average SBA loan size for private households businesses?
Which SBA loan program is best for a private households business?
How many lenders fund SBA loans for private households?
What states have the most SBA lending for private households?
How does PeerSense help private households businesses get SBA loans?
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Data aggregated from SBA loan records (1992 to 2025). Private Households defined by NAICS code 814110. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.