How Much Can Reupholstery and Furniture Repair Businesses Get in SBA Loans?
817 SBA loans totaling $134.7M have been approved for reupholstery and furniture repair businesses (NAICS 811420). The average approved SBA loan is $165K, which is 52% below avg the $340K national average. 229 active lenders fund this industry with a 18.3% default rate on the matured 2018-2021 loan cohort.
At 18.3%, Reupholstery and Furniture Repair 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 811420 (Reupholstery and Furniture Repair) received 817 SBA loans worth $134.7M across 5+ states. Average loan $165K, average term 119 months, 18.3% default rate (resolved-loan basis).229 active SBA-approved lenders fund this industry. Most reupholstery and furniture repair loans use the SBA 7(a) program. There are approximately 3,263 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Reupholstery and Furniture Repair?
Which SBA Program Do Reupholstery and Furniture Repair Businesses Use Most?
What Is the Best SBA Loan for Reupholstery and Furniture Repair?
The most widely used SBA program for reupholstery and furniture repair businesses — flexible terms, multiple use cases
Where Are Reupholstery and Furniture Repair SBA Loans Most Common?
Top SBA Lenders for Reupholstery and Furniture Repair
These banks have funded the most SBA loans for reupholstery and furniture repair businesses (NAICS 811420). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association(OH) | 59 | $5.2M |
| 2 | Bank of America, National Association(NC) | 59 | $2.0M |
| 3 | Citizens Bank, National Association(RI) | 55 | $1.8M |
| 4 | Wells Fargo Bank National Association(SD) | 46 | $9.9M |
| 5 | U.S. Bank, National Association(OH) | 40 | $6.8M |
Reupholstery and Furniture Repair Industry Context
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How Does SBA Lending Work for Reupholstery and Furniture Repair Businesses?
Across all SBA loan programs, 817 loans have been approved for businesses classified under NAICS 811420 (Reupholstery and Furniture Repair), representing $134.7M in total capital deployed. The average approved loan of $165K is 52% below avg the national SBA average of $340K, with typical repayment terms of 119 months.
SBA lending for reupholstery and furniture repair has remained relatively stable across recent fiscal years. 229 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The industry sees a balanced mix of SBA programs, with 7% 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 reupholstery and furniture repair 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 — Reupholstery and Furniture Repair SBA Loans
What is the average SBA loan size for reupholstery and furniture repair businesses?
Which SBA loan program is best for a reupholstery and furniture repair business?
How many lenders fund SBA loans for reupholstery and furniture repair?
What states have the most SBA lending for reupholstery and furniture repair?
How does PeerSense help reupholstery and furniture repair businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Reupholstery and Furniture Repair defined by NAICS code 811420. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.