How Much Can Testing Laboratories Businesses Get in SBA Loans?
1,566 SBA loans totaling $634.8M have been approved for testing laboratories businesses (NAICS 541380). The average approved SBA loan is $405K, which is 19% above avg the $340K national average. 403 active lenders fund this industry with a 6.4% default rate on the matured 2018-2021 loan cohort.
At 6.4%, Testing Laboratories sits well below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — low 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 541380 (Testing Laboratories) received 1,566 SBA loans worth $634.8M across 5+ states. Average loan $405K, average term 131 months, 6.4% default rate (resolved-loan basis).403 active SBA-approved lenders fund this industry. Most testing laboratories loans use the SBA 7(a) program.
Is SBA Lending Growing for Testing Laboratories?+13% growth
Which SBA Program Do Testing Laboratories Businesses Use Most?
What Is the Best SBA Loan for Testing Laboratories?
The most widely used SBA program for testing laboratories businesses — flexible terms, multiple use cases
Where Are Testing Laboratories SBA Loans Most Common?
Top SBA Lenders for Testing Laboratories
These banks have funded the most SBA loans for testing laboratories businesses (NAICS 541380). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 112 | $51.0M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 73 | $19.3M |
| 3 | Bank of America, National Association(NC) | 58 | $16.2M |
| 4 | U.S. Bank, National Association(OH) | 55 | $36.4M |
| 5 | The Huntington National Bank(OH) | 43 | $12.6M |
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How Does SBA Lending Work for Testing Laboratories Businesses?
Across all SBA loan programs, 1,566 loans have been approved for businesses classified under NAICS 541380 (Testing Laboratories), representing $634.8M in total capital deployed. The average approved loan of $405K is 19% above avg the national SBA average of $340K, with typical repayment terms of 131 months.
SBA lending for testing laboratories is accelerating — loan volume has grown approximately 13% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2016.
The industry sees a balanced mix of SBA programs, with 14% 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 testing laboratories 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 — Testing Laboratories SBA Loans
What is the average SBA loan size for testing laboratories businesses?
Which SBA loan program is best for a testing laboratories business?
How many lenders fund SBA loans for testing laboratories?
What states have the most SBA lending for testing laboratories?
How does PeerSense help testing laboratories businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Testing Laboratories defined by NAICS code 541380. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.