How Much Can Temporary Help Services Businesses Get in SBA Loans?
2,003 SBA loans totaling $509.3M have been approved for temporary help services businesses (NAICS 561320). The average approved SBA loan is $254K, which is 25% below avg the $340K national average. 359 active lenders fund this industry with a 16.0% default rate on the matured 2018-2021 loan cohort.
At 16.0%, Temporary Help 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 561320 (Temporary Help Services) received 2,003 SBA loans worth $509.3M across 5+ states. Average loan $254K, average term 93 months, 16.0% default rate (resolved-loan basis).359 active SBA-approved lenders fund this industry. Most temporary help services loans use the SBA 7(a) program.
Is SBA Lending Growing for Temporary Help Services?+67% growth
Which SBA Program Do Temporary Help Services Businesses Use Most?
What Is the Best SBA Loan for Temporary Help Services?
The most widely used SBA program for temporary help services businesses — flexible terms, multiple use cases
Where Are Temporary Help Services SBA Loans Most Common?
Top SBA Lenders for Temporary Help Services
These banks have funded the most SBA loans for temporary help services businesses (NAICS 561320). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 192 | $17.2M |
| 2 | Wells Fargo Bank National Association(SD) | 130 | $29.5M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 105 | $17.7M |
| 4 | Bank of Hope(CA) | 91 | $1.1M |
| 5 | Citizens Bank, National Association(RI) | 87 | $4.2M |
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How Does SBA Lending Work for Temporary Help Services Businesses?
Across all SBA loan programs, 2,003 loans have been approved for businesses classified under NAICS 561320 (Temporary Help Services), representing $509.3M in total capital deployed. The average approved loan of $254K is 25% below avg the national SBA average of $340K, with typical repayment terms of 93 months.
SBA lending for temporary help services is accelerating — loan volume has grown approximately 67% 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 overwhelming majority of SBA lending for temporary help 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 temporary help 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 — Temporary Help Services SBA Loans
What is the average SBA loan size for temporary help services businesses?
Which SBA loan program is best for a temporary help services business?
How many lenders fund SBA loans for temporary help services?
What states have the most SBA lending for temporary help services?
How does PeerSense help temporary help services businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Temporary Help Services defined by NAICS code 561320. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.