How Much Can Software Publishers Businesses Get in SBA Loans?
1,359 SBA loans totaling $392.1M have been approved for software publishers businesses (NAICS 511210). The average approved SBA loan is $289K, which is 15% below avg the $340K national average. 267 active lenders fund this industry with a 12.9% default rate on the matured 2018-2021 loan cohort.
At 12.9%, Software Publishers 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 511210 (Software Publishers) received 1,359 SBA loans worth $392.1M across 5+ states. Average loan $289K, average term 99 months, 12.9% default rate (resolved-loan basis).267 active SBA-approved lenders fund this industry. Most software publishers loans use the SBA 7(a) program. There are approximately 17,438 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Software Publishers?-83% decline
Which SBA Program Do Software Publishers Businesses Use Most?
What Is the Best SBA Loan for Software Publishers?
The most widely used SBA program for software publishers businesses — flexible terms, multiple use cases
Where Are Software Publishers SBA Loans Most Common?
Top SBA Lenders for Software Publishers
These banks have funded the most SBA loans for software publishers businesses (NAICS 511210). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 185 | $17.2M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 108 | $21.0M |
| 3 | Bank of America, National Association(NC) | 75 | $6.1M |
| 4 | PNC Bank, National Association(DE) | 66 | $5.1M |
| 5 | U.S. Bank, National Association(OH) | 38 | $8.5M |
Software Publishers Industry Context
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How Does SBA Lending Work for Software Publishers Businesses?
Across all SBA loan programs, 1,359 loans have been approved for businesses classified under NAICS 511210 (Software Publishers), representing $392.1M in total capital deployed. The average approved loan of $289K is 15% below avg the national SBA average of $340K, with typical repayment terms of 99 months.
SBA lending for software publishers has contracted approximately 83% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 267 lenders remain active, maintaining competitive options for qualified borrowers.
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 software publishers 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 — Software Publishers SBA Loans
What is the average SBA loan size for software publishers businesses?
Which SBA loan program is best for a software publishers business?
How many lenders fund SBA loans for software publishers?
What states have the most SBA lending for software publishers?
How does PeerSense help software publishers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Software Publishers defined by NAICS code 511210. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.