Environmental Consulting Services: SBA business acquisition loan data
31 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Environmental Consulting Services (NAICS 541620), totaling $34.9M. Median loan $608,000, 6% lower than the all-acquisition median.
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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 $1,586,500 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 #222 of 300 industries tracked.
- Geography. California leads with 6 loans; the top five states account for 55% of the industry's acquisitions.
- Jobs. Lenders reported 296 jobs supported across these loans, about 9.5 per acquisition, a rough proxy for the size of business changing hands.
Environmental Consulting Services acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $4.3M | $2,155,500 | |
| FY2019 | 5 | $3.6M | $510,000 | |
| FY2020 | 2 | $3.1M | $1,570,650 | |
| FY2021 | 5 | $3.9M | $578,000 | |
| FY2022 | 2 | $675K | $337,500 | |
| FY2023 | 4 | $7.7M | $1,390,000 | |
| FY2024 | 1 | $226K | $226,000 | |
| FY2025 | 5 | $8.4M | $1,750,000 | |
| FY2026 | 5 | $3M | $350,000 |
How often do these acquisition loans fail?
Fewer than 20 Environmental Consulting 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 | 19.4% | $4.6M | |
| 2 | Illinois | 4 | 12.9% | $4.2M | |
| 3 | Texas | 3 | 9.7% | $5.9M | |
| 4 | Wyoming | 2 | 6.5% | $5.2M | |
| 5 | Washington | 2 | 6.5% | $3.3M | |
| 6 | New York | 2 | 6.5% | $560K | |
| 7 | New Jersey | 2 | 6.5% | $360K | |
| 8 | South Carolina | 1 | 3.2% | $2.2M | |
| 9 | Pennsylvania | 1 | 3.2% | $1.8M | |
| 10 | New Hampshire | 1 | 3.2% | $1.6M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | SouthState Bank, National Association | 2 | 6.5% | $2.8M | |
| 2 | Pathward National Association | 2 | 6.5% | $1.8M | |
| 3 | First-Citizens Bank & Trust Company | 2 | 6.5% | $1.2M | |
| 4 | Live Oak Banking Company | 2 | 6.5% | $1.1M | |
| 5 | Manufacturers and Traders Trust Company | 2 | 6.5% | $560K | |
| 6 | Wilmington Savings Fund Society FSB | 2 | 6.5% | $360K | |
| 7 | Byline Bank | 1 | 3.2% | $4.5M | |
| 8 | Plains State Bank | 1 | 3.2% | $3.7M | |
| 9 | Heritage Bank | 1 | 3.2% | $3.1M | |
| 10 | First National Bank of Omaha | 1 | 3.2% | $2.8M |
Terms signed in the LOI shape the purchase agreement that follows.
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Questions buyers ask
How much is a typical SBA loan to buy a business in Environmental Consulting Services?
Median $608,000 across 31 acquisition loans (FY2018 to FY2026); the middle half ran $352,500 to $1,586,500. That is 6% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Environmental Consulting Services acquisitions?
SouthState Bank, National Association (2), Pathward National Association (2), First-Citizens Bank & Trust Company (2), Live Oak Banking Company (2), Manufacturers and Traders Trust Company (2).
Are businesses in Environmental Consulting 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 Environmental Consulting 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 Environmental Consulting Services acquisitions?
Median term 10 years, average initial rate 7.87% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
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