All Other Specialty Trade Contractors: SBA business acquisition loan data
884 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as All Other Specialty Trade Contractors (NAICS 238990), totaling $1.1B. Median loan $673,500, in line with the all-acquisition median.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
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 $1,696,250 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 1.8% of all SBA-financed business purchases, ranking #8 of 300 industries tracked.
- Geography. Florida leads with 135 loans; the top five states account for 38% of the industry's acquisitions.
- Jobs. Lenders reported 13,231 jobs supported across these loans, about 15.0 per acquisition, a rough proxy for the size of business changing hands.
All Other Specialty Trade Contractors acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 31 | $38.6M | $935,000 | |
| FY2019 | 57 | $52M | $635,300 | |
| FY2020 | 68 | $73.9M | $615,950 | |
| FY2021 | 105 | $105M | $550,000 | |
| FY2022 | 87 | $114M | $675,000 | |
| FY2023 | 98 | $121M | $807,500 | |
| FY2024 | 134 | $166M | $708,500 | |
| FY2025 | 169 | $184M | $605,000 | |
| FY2026 | 135 | $198M | $855,000 |
How often do these acquisition loans fail?
Of the 261 All Other Specialty Trade Contractors acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 11 have been charged off by the SBA, a rate of 4.2% by loan count and 2.1% by dollars. 118 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 Specialty Trade Contractors is 20% 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.
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Florida | 135 | 15.3% | $191M | |
| 2 | Texas | 61 | 6.9% | $75.6M | |
| 3 | California | 60 | 6.8% | $71.5M | |
| 4 | Minnesota | 43 | 4.9% | $45.9M | |
| 5 | North Carolina | 41 | 4.6% | $34.4M | |
| 6 | Colorado | 38 | 4.3% | $44M | |
| 7 | Pennsylvania | 37 | 4.2% | $46.6M | |
| 8 | Washington | 35 | 4.0% | $38.7M | |
| 9 | Illinois | 29 | 3.3% | $29.7M | |
| 10 | Wisconsin | 28 | 3.2% | $34.2M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Huntington Bank | 128 | 14.5% | $135M | |
| 2 | Live Oak Bank | 124 | 14.0% | $176M | |
| 3 | Old National Bank | 32 | 3.6% | $38.8M | |
| 4 | First Internet Bank | 24 | 2.7% | $28.3M | |
| 5 | Beacon Bank and Trust | 19 | 2.1% | $38.2M | |
| 6 | Columbia Bank | 13 | 1.5% | $8.2M | |
| 7 | M&T Bank | 13 | 1.5% | $7.1M | |
| 8 | Mission Valley Bank | 12 | 1.4% | $11.1M | |
| 9 | Byline Bank | 10 | 1.1% | $13.2M | |
| 10 | United Community Bank | 10 | 1.1% | $12.6M |
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
Franchise brands in All Other Specialty Trade Contractors
8% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Budget Blinds | 15 | 20.0% | $13.3M | |
| 2 | Servpro | 11 | 14.7% | $10.4M | |
| 3 | Re-Bath | 4 | 5.3% | $3.1M | |
| 4 | Mr. Handyman | 4 | 5.3% | $2.5M | |
| 5 | Rainbow Restoration | 3 | 4.0% | $1.7M | |
| 6 | Paul Davis Restoration | 2 | 2.7% | $3.3M | |
| 7 | Miracle Method Surface Refinishing | 2 | 2.7% | $1.3M | |
| 8 | Screenmobile | 2 | 2.7% | $587K | |
| 9 | College Hunks Hauling Junk | 1 | 1.3% | $855K | |
| 10 | Garage Living | 1 | 1.3% | $833K | |
| 11 | CertaPro Painters | 1 | 1.3% | $820K | |
| 12 | Closet Factory | 1 | 1.3% | $726K | |
| 13 | ServiceMaster | 1 | 1.3% | $609K | |
| 14 | Lawn Doctor | 1 | 1.3% | $216K |
Questions buyers ask
How much is a typical SBA loan to buy a business in All Other Specialty Trade Contractors?
Median $673,500 across 884 acquisition loans (FY2018 to FY2026); the middle half ran $301,500 to $1,696,250. That is in line with the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most All Other Specialty Trade Contractors acquisitions?
Huntington Bank (128), Live Oak Bank (124), Old National Bank (32), First Internet Bank (24), Beacon Bank and Trust (19).
Are businesses in All Other Specialty Trade Contractors often franchised?
Sometimes. 8% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Budget Blinds, Servpro, Re-Bath, Mr. Handyman, Rainbow Restoration.
How risky are SBA loans for buying a business in All Other Specialty Trade Contractors?
Of 261 seasoned loans (FY2018 to FY2021), 4.2% charged off, 20% higher than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for All Other Specialty Trade Contractors acquisitions?
Median term 10 years, average initial rate 8.19% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
The purchase agreement decides what you bought, not the loan approval.
Request Engagement AssessmentAll 50 states. Free consultation.
Advertise on this site: lenders, brokers, valuation and insurance firms. See options