Computer Systems Design Services: SBA business acquisition loan data
109 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Computer Systems Design Services (NAICS 541512), totaling $141M. Median loan $875,000, 36% higher than the all-acquisition median. Annual volume rose 118% from FY2024 to FY2026.
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 $1,760,600 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.2% of all SBA-financed business purchases, ranking #86 of 300 industries tracked.
- Geography. Texas leads with 9 loans; the top five states account for 36% of the industry's acquisitions.
- Jobs. Lenders reported 1,790 jobs supported across these loans, about 16.4 per acquisition, a rough proxy for the size of business changing hands.
Computer Systems Design Services acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 6 | $8.5M | $657,950 | |
| FY2019 | 9 | $12.4M | $700,000 | |
| FY2020 | 8 | $9.9M | $924,800 | |
| FY2021 | 9 | $15.4M | $1,017,000 | |
| FY2022 | 12 | $12.8M | $747,000 | |
| FY2023 | 12 | $12.7M | $793,500 | |
| FY2024 | 11 | $12.3M | $630,000 | |
| FY2025 | 18 | $26.8M | $1,035,750 | |
| FY2026 | 24 | $29.9M | $942,850 |
How often do these acquisition loans fail?
Of the 32 Computer Systems Design Services acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 1 have been charged off by the SBA, a rate of 3.1% by loan count and 0.8% by dollars. 19 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 Computer Systems Design Services is 11% lower 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.
Seller note standby terms and third-party consents are reviewed before closing.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Texas | 9 | 8.3% | $9.7M | |
| 2 | Virginia | 8 | 7.3% | $17.3M | |
| 3 | Florida | 8 | 7.3% | $11.6M | |
| 4 | Pennsylvania | 7 | 6.4% | $9.3M | |
| 5 | California | 7 | 6.4% | $7.6M | |
| 6 | Ohio | 6 | 5.5% | $7.3M | |
| 7 | North Carolina | 6 | 5.5% | $6.1M | |
| 8 | Maryland | 4 | 3.7% | $6.9M | |
| 9 | Massachusetts | 4 | 3.7% | $4.4M | |
| 10 | Indiana | 3 | 2.8% | $8.2M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 21 | 19.3% | $29.5M | |
| 2 | The Huntington National Bank | 6 | 5.5% | $4.8M | |
| 3 | Pathward National Association | 5 | 4.6% | $11M | |
| 4 | First Internet Bank of Indiana | 5 | 4.6% | $4.1M | |
| 5 | Manufacturers and Traders Trust Company | 4 | 3.7% | $2.7M | |
| 6 | First Merchants Bank | 3 | 2.8% | $4.6M | |
| 7 | Pinnacle Bank | 3 | 2.8% | $4M | |
| 8 | Wells Fargo Bank National Association | 3 | 2.8% | $1.4M | |
| 9 | Santander Bank, National Association | 2 | 1.8% | $5.3M | |
| 10 | U.S. Bank, National Association | 2 | 1.8% | $4.6M |
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentFree consultation. All 50 states.
Franchise brands in Computer Systems Design Services
2% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | TeamLogic IT | 1 | 50.0% | $630K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Computer Systems Design Services?
Median $875,000 across 109 acquisition loans (FY2018 to FY2026); the middle half ran $350,000 to $1,760,600. That is 36% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Computer Systems Design Services acquisitions?
Live Oak Banking Company (21), The Huntington National Bank (6), Pathward National Association (5), First Internet Bank of Indiana (5), Manufacturers and Traders Trust Company (4).
Are businesses in Computer Systems Design Services often franchised?
Rarely. Only 2% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in Computer Systems Design Services?
Of 32 seasoned loans (FY2018 to FY2021), 3.1% charged off, 11% lower than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Computer Systems Design Services acquisitions?
Median term 10 years, average initial rate 8.14% 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.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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