All Other Personal Services: SBA business acquisition loan data
336 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as All Other Personal Services (NAICS 812990), totaling $262M. Median loan $406,600, 37% lower than the all-acquisition median. Annual volume rose 56% from FY2024 to FY2026. 21% of these deals were franchised units.
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Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $1,000,000 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.7% of all SBA-financed business purchases, ranking #32 of 300 industries tracked.
- Geography. Texas leads with 32 loans; the top five states account for 38% of the industry's acquisitions.
- Jobs. Lenders reported 4,164 jobs supported across these loans, about 12.4 per acquisition, a rough proxy for the size of business changing hands.
All Other Personal Services acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 28 | $17.2M | $317,150 | |
| FY2019 | 44 | $23.9M | $335,000 | |
| FY2020 | 30 | $23.2M | $410,000 | |
| FY2021 | 21 | $23.6M | $430,900 | |
| FY2022 | 25 | $22.2M | $487,000 | |
| FY2023 | 28 | $14.4M | $276,500 | |
| FY2024 | 43 | $29.9M | $317,700 | |
| FY2025 | 50 | $43.6M | $470,000 | |
| FY2026 | 67 | $63.5M | $530,000 |
How often do these acquisition loans fail?
Of the 123 All Other Personal Services acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 7 have been charged off by the SBA, a rate of 5.7% by loan count and 2.1% by dollars. 59 have already been paid in full.
For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so All Other Personal Services is 62% higher than the acquisition-loan average. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Texas | 32 | 9.5% | $32.5M | |
| 2 | Florida | 31 | 9.2% | $25.2M | |
| 3 | California | 27 | 8.0% | $21.9M | |
| 4 | Colorado | 19 | 5.7% | $10.7M | |
| 5 | New York | 17 | 5.1% | $13.5M | |
| 6 | Minnesota | 15 | 4.5% | $13.6M | |
| 7 | Michigan | 14 | 4.2% | $9.3M | |
| 8 | Washington | 14 | 4.2% | $6.8M | |
| 9 | North Carolina | 13 | 3.9% | $15.6M | |
| 10 | Illinois | 13 | 3.9% | $13.4M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 42 | 12.5% | $44.6M | |
| 2 | The Huntington National Bank | 41 | 12.2% | $24.7M | |
| 3 | First Internet Bank of Indiana | 11 | 3.3% | $12.6M | |
| 4 | Wells Fargo Bank National Association | 8 | 2.4% | $3.9M | |
| 5 | U.S. Bank, National Association | 6 | 1.8% | $3.4M | |
| 6 | TowneBank | 5 | 1.5% | $7.3M | |
| 7 | Simmons Bank | 5 | 1.5% | $4.4M | |
| 8 | Old National Bank | 4 | 1.2% | $6.4M | |
| 9 | BMO Bank National Association | 4 | 1.2% | $2.6M | |
| 10 | United Midwest Savings Bank National Association | 4 | 1.2% | $1.9M |
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Franchise brands in All Other Personal Services
21% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Orange Theory Fitness | 5 | 7.0% | $6.6M | |
| 2 | System4 | 4 | 5.6% | $5M | |
| 3 | European Wax Center | 3 | 4.2% | $5.4M | |
| 4 | The UPS Store | 3 | 4.2% | $665K | |
| 5 | Snap Fitness | 3 | 4.2% | $502K | |
| 6 | Anytime Fitness | 2 | 2.8% | $1.9M | |
| 7 | F45 Training | 2 | 2.8% | $1.5M | |
| 8 | Massage Envy | 2 | 2.8% | $963K | |
| 9 | Fish Window Cleaning Services | 2 | 2.8% | $585K | |
| 10 | Merry Maids | 2 | 2.8% | $523K | |
| 11 | Mr. Handyman | 2 | 2.8% | $435K | |
| 12 | barre3 | 2 | 2.8% | $416K | |
| 13 | Amazing Lash Studio | 1 | 1.4% | $2M | |
| 14 | Right at Home | 1 | 1.4% | $1.3M | |
| 15 | Massage Heights | 1 | 1.4% | $824K |
Questions buyers ask
How much is a typical SBA loan to buy a business in All Other Personal Services?
Median $406,600 across 336 acquisition loans (FY2018 to FY2026); the middle half ran $211,375 to $1,000,000. That is 37% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most All Other Personal Services acquisitions?
Live Oak Banking Company (42), The Huntington National Bank (41), First Internet Bank of Indiana (11), Wells Fargo Bank National Association (8), U.S. Bank, National Association (6).
Are businesses in All Other Personal Services often franchised?
Yes, often. 21% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Orange Theory Fitness, System4, European Wax Center, The UPS Store, Snap Fitness.
How risky are SBA loans for buying a business in All Other Personal Services?
Of 123 seasoned loans (FY2018 to FY2021), 5.7% charged off, 62% higher than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for All Other Personal Services acquisitions?
Median term 10 years, average initial rate 8.17% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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