Architectural Services: SBA business acquisition loan data
51 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Architectural Services (NAICS 541310), totaling $59.1M. Median loan $725,000, 12% higher than the all-acquisition median.
Terms signed in the LOI shape the purchase agreement that follows.
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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 $1,546,500 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.1% of all SBA-financed business purchases, ranking #160 of 300 industries tracked.
- Geography. California leads with 6 loans; the top five states account for 43% of the industry's acquisitions.
- Jobs. Lenders reported 544 jobs supported across these loans, about 10.7 per acquisition, a rough proxy for the size of business changing hands.
Architectural Services acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 3 | $1.8M | $621,000 | |
| FY2019 | 4 | $5.8M | $1,029,900 | |
| FY2020 | 5 | $8.4M | $1,175,000 | |
| FY2021 | 4 | $5.9M | $1,337,500 | |
| FY2022 | 7 | $4.1M | $545,000 | |
| FY2023 | 4 | $6.1M | $1,414,050 | |
| FY2024 | 6 | $1.8M | $150,000 | |
| FY2025 | 5 | $9.1M | $2,050,000 | |
| FY2026 | 13 | $16.1M | $526,500 |
How often do these acquisition loans fail?
Fewer than 20 Architectural Services acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. 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.
The purchase agreement decides what you bought, not the loan approval.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 6 | 11.8% | $4.5M | |
| 2 | North Carolina | 5 | 9.8% | $4.8M | |
| 3 | Colorado | 4 | 7.8% | $4.9M | |
| 4 | Florida | 4 | 7.8% | $4.8M | |
| 5 | Texas | 3 | 5.9% | $6.3M | |
| 6 | Ohio | 3 | 5.9% | $4M | |
| 7 | Washington | 3 | 5.9% | $3.6M | |
| 8 | Massachusetts | 3 | 5.9% | $2.5M | |
| 9 | Missouri | 3 | 5.9% | $1M | |
| 10 | Georgia | 2 | 3.9% | $3.6M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 9 | 17.6% | $5.1M | |
| 2 | Live Oak Banking Company | 4 | 7.8% | $4.2M | |
| 3 | Pinnacle Bank | 3 | 5.9% | $3.7M | |
| 4 | PNC Bank, National Association | 3 | 5.9% | $1.6M | |
| 5 | Midwest Regional Bank | 2 | 3.9% | $4M | |
| 6 | Byline Bank | 2 | 3.9% | $3.7M | |
| 7 | Fifth Third Bank | 2 | 3.9% | $3M | |
| 8 | First Bank | 2 | 3.9% | $1.7M | |
| 9 | First Internet Bank of Indiana | 2 | 3.9% | $483K | |
| 10 | PlainsCapital Bank | 1 | 2.0% | $4.6M |
The purchase agreement decides what you bought, not the loan approval.
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Questions buyers ask
How much is a typical SBA loan to buy a business in Architectural Services?
Median $725,000 across 51 acquisition loans (FY2018 to FY2026); the middle half ran $366,900 to $1,546,500. That is 12% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Architectural Services acquisitions?
The Huntington National Bank (9), Live Oak Banking Company (4), Pinnacle Bank (3), PNC Bank, National Association (3), Midwest Regional Bank (2).
Are businesses in Architectural Services often franchised?
Rarely. Only 0% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in Architectural Services?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Architectural Services acquisitions?
Median term 10 years, average initial rate 7.85% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
Seller note standby terms and third-party consents are reviewed before closing.
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