Custom Computer Programming Services: SBA business acquisition loan data
112 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Custom Computer Programming Services (NAICS 541511), totaling $174M. Median loan $1,186,500, 84% higher than the all-acquisition median. Annual volume rose 30% from FY2024 to FY2026.
The purchase agreement decides what you bought, not the loan approval.
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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 $1,951,200 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 #85 of 300 industries tracked.
- Geography. California leads with 14 loans; the top five states account for 44% of the industry's acquisitions.
- Jobs. Lenders reported 1,774 jobs supported across these loans, about 15.8 per acquisition, a rough proxy for the size of business changing hands.
Custom Computer Programming Services acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 9 | $14M | $1,578,100 | |
| FY2019 | 16 | $21M | $971,000 | |
| FY2020 | 15 | $22.9M | $1,208,000 | |
| FY2021 | 12 | $12.3M | $888,400 | |
| FY2022 | 13 | $14.4M | $925,000 | |
| FY2023 | 10 | $14.1M | $1,132,000 | |
| FY2024 | 10 | $21.4M | $2,097,000 | |
| FY2025 | 14 | $29.4M | $1,725,000 | |
| FY2026 | 13 | $24.1M | $900,000 |
How often do these acquisition loans fail?
Of the 52 Custom Computer Programming Services acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 2 have been charged off by the SBA, a rate of 3.9% by loan count and 1.1% by dollars. 31 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 Custom Computer Programming Services is 9% 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 | California | 14 | 12.5% | $21.5M | |
| 2 | Texas | 12 | 10.7% | $20.1M | |
| 3 | Florida | 10 | 8.9% | $12.9M | |
| 4 | North Carolina | 7 | 6.3% | $13.7M | |
| 5 | Minnesota | 6 | 5.4% | $8.7M | |
| 6 | Washington | 6 | 5.4% | $7.5M | |
| 7 | Wisconsin | 6 | 5.4% | $3.7M | |
| 8 | Missouri | 5 | 4.5% | $6.6M | |
| 9 | Virginia | 4 | 3.6% | $9.8M | |
| 10 | Ohio | 4 | 3.6% | $8.9M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 10 | 8.9% | $13.3M | |
| 2 | Live Oak Banking Company | 8 | 7.1% | $11.4M | |
| 3 | Manufacturers and Traders Trust Company | 5 | 4.5% | $3.5M | |
| 4 | Byline Bank | 4 | 3.6% | $9.7M | |
| 5 | Bank of America, National Association | 4 | 3.6% | $3.8M | |
| 6 | First Internet Bank of Indiana | 3 | 2.7% | $8M | |
| 7 | HomeTrust Bank | 3 | 2.7% | $8M | |
| 8 | Truist Bank | 3 | 2.7% | $5M | |
| 9 | Landmark National Bank | 3 | 2.7% | $2.4M | |
| 10 | Pathward National Association | 2 | 1.8% | $7.9M |
Seller note standby terms and third-party consents are reviewed before closing.
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Questions buyers ask
How much is a typical SBA loan to buy a business in Custom Computer Programming Services?
Median $1,186,500 across 112 acquisition loans (FY2018 to FY2026); the middle half ran $576,250 to $1,951,200. That is 84% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Custom Computer Programming Services acquisitions?
The Huntington National Bank (10), Live Oak Banking Company (8), Manufacturers and Traders Trust Company (5), Byline Bank (4), Bank of America, National Association (4).
Are businesses in Custom Computer Programming 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 Custom Computer Programming Services?
Of 52 seasoned loans (FY2018 to FY2021), 3.9% charged off, 9% higher than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Custom Computer Programming Services acquisitions?
Median term 10 years, average initial rate 7.51% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
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