How Much Can Tax Preparation Services Businesses Get in SBA Loans?
4,240 SBA loans totaling $741.6M have been approved for tax preparation services businesses (NAICS 541213). The average approved SBA loan is $175K, which is 49% below avg the $340K national average. 555 active lenders fund this industry with a 15.9% default rate on the matured 2018-2021 loan cohort.
At 15.9%, Tax Preparation 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 541213 (Tax Preparation Services) received 4,240 SBA loans worth $741.6M across 5+ states. Average loan $175K, average term 115 months, 15.9% default rate (resolved-loan basis).555 active SBA-approved lenders fund this industry. Most tax preparation services loans use the SBA 7(a) program.
Is SBA Lending Growing for Tax Preparation Services?+80% growth
Which SBA Program Do Tax Preparation Services Businesses Use Most?
What Is the Best SBA Loan for Tax Preparation Services?
The most widely used SBA program for tax preparation services businesses — flexible terms, multiple use cases
Where Are Tax Preparation Services SBA Loans Most Common?
Top SBA Lenders for Tax Preparation Services
These banks have funded the most SBA loans for tax preparation services businesses (NAICS 541213). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 295 | $42.5M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 229 | $21.6M |
| 3 | Bank of America, National Association(NC) | 212 | $11.9M |
| 4 | The Huntington National Bank(OH) | 175 | $25.0M |
| 5 | U.S. Bank, National Association(OH) | 175 | $31.8M |
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How Does SBA Lending Work for Tax Preparation Services Businesses?
Across all SBA loan programs, 4,240 loans have been approved for businesses classified under NAICS 541213 (Tax Preparation Services), representing $741.6M in total capital deployed. The average approved loan of $175K is 49% below avg the national SBA average of $340K, with typical repayment terms of 115 months.
SBA lending for tax preparation services is accelerating — loan volume has grown approximately 80% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.
The overwhelming majority of SBA lending for tax preparation services 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.
PeerSense specializes in matching tax preparation 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 — Tax Preparation Services SBA Loans
What is the average SBA loan size for tax preparation services businesses?
Which SBA loan program is best for a tax preparation services business?
How many lenders fund SBA loans for tax preparation services?
What states have the most SBA lending for tax preparation services?
How does PeerSense help tax preparation services businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Tax Preparation Services defined by NAICS code 541213. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.