How Much Can Repossession Services Businesses Get in SBA Loans?
212 SBA loans totaling $51.7M have been approved for repossession services businesses (NAICS 561491). The average approved SBA loan is $244K, which is 28% below avg the $340K national average. 94 active lenders fund this industry with a 16.1% default rate on the matured 2018-2021 loan cohort.
At 16.1%, Repossession Services 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 561491 (Repossession Services) received 212 SBA loans worth $51.7M across 5+ states. Average loan $244K, average term 125 months, 16.1% default rate (resolved-loan basis).94 active SBA-approved lenders fund this industry. Most repossession services loans use the SBA 7(a) program. There are approximately 655 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Repossession Services?+133% growth
Which SBA Program Do Repossession Services Businesses Use Most?
What Is the Best SBA Loan for Repossession Services?
The most widely used SBA program for repossession services businesses — flexible terms, multiple use cases
Where Are Repossession Services SBA Loans Most Common?
Top SBA Lenders for Repossession Services
These banks have funded the most SBA loans for repossession services businesses (NAICS 561491). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | U.S. Bank, National Association(OH) | 14 | $4.9M |
| 2 | Bank of America, National Association(NC) | 12 | $427K |
| 3 | The Huntington National Bank(OH) | 10 | $581K |
| 4 | Wells Fargo Bank National Association(SD) | 10 | $5.4M |
| 5 | Citizens Bank, National Association(RI) | 9 | $261K |
Repossession Services Industry Context
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How Does SBA Lending Work for Repossession Services Businesses?
Across all SBA loan programs, 212 loans have been approved for businesses classified under NAICS 561491 (Repossession Services), representing $51.7M in total capital deployed. The average approved loan of $244K is 28% below avg the national SBA average of $340K, with typical repayment terms of 125 months.
SBA lending for repossession services is accelerating — loan volume has grown approximately 133% 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 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 repossession 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 — Repossession Services SBA Loans
What is the average SBA loan size for repossession services businesses?
Which SBA loan program is best for a repossession services business?
How many lenders fund SBA loans for repossession services?
What states have the most SBA lending for repossession services?
How does PeerSense help repossession services businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Repossession Services defined by NAICS code 561491. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.