SBA Loans for Private Schools
2,091 SBA loans have funded private schools nationwide, averaging $793K across 461 active SBA lenders, at an average note rate of 7.0%. SBA 7(a) loans up to $5M fund acquiring or expanding a private school and owner-occupied campus real estate; SBA 504 loans cover owner-occupied real estate and equipment with as little as 10% down. PeerSense reads this lending history and matches you to the lender most likely to fund a private school.
Published: ·Last updated: ·By Ed Freeman, Capital Advisor. PeerSense
Source: SBA 7(a) and 504 loan records (NAICS 611110), 2000 to present.
2,091
SBA Loans Funded
$793K
Average Loan
7.0%
Avg Note Rate
17 yrs
Avg Term
461
Active Lenders
8.4%
Charge-Off Rate (resolved-loan basis)
What private schools use SBA loans for
Where private schools get SBA financing
| State | SBA Loans | Capital Deployed |
|---|---|---|
| California | 373 | $325.0M |
| Texas | 261 | $299.5M |
| Florida | 225 | $222.2M |
| Arizona | 107 | $97.3M |
| Georgia | 87 | $84.5M |
SBA lenders active with private schools
Ranked by real SBA funding activity in California, the top state for private schools. PeerSense routes your deal to the lender most likely to approve and price it. You work with us, not a call list.
Get matched to an SBA lender for a private school.
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SBA 7(a) / 504, Private Schools: Response within 24–48 hours. No obligation.
How private schools qualify for an SBA loan
SBA 7(a) loans are the most common path for private schools financing acquiring or expanding a private school. They run up to $5M, fund up to 90% of a project, and amortize over 10 years for a business purchase or up to 25 years when real estate is included. SBA 504 loans pair a bank loan with a CDC debenture for owner-occupied real estate and heavy equipment, typically at 10% down.
With 2,091 loans on record across 461 lenders and a 8.4% historical charge-off rate, private schools are a well-understood credit to SBA lenders, but not every lender is active in this profession or comfortable with its deal structure. PeerSense reads the lending history and routes your deal to the lender most likely to approve and price it, then stays with you through closing.