Interior Design Services: SBA business acquisition loan data
70 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Interior Design Services (NAICS 541410), totaling $55.2M. Median loan $513,300, 20% lower 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 $998,125 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 #130 of 300 industries tracked.
- Geography. Ohio leads with 7 loans; the top five states account for 39% of the industry's acquisitions.
- Jobs. Lenders reported 598 jobs supported across these loans, about 8.5 per acquisition, a rough proxy for the size of business changing hands.
Interior Design Services acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 1 | $434K | $434,000 | |
| FY2019 | 8 | $4.6M | $511,300 | |
| FY2020 | 8 | $4.3M | $140,000 | |
| FY2021 | 4 | $4M | $722,450 | |
| FY2022 | 2 | $490K | $245,000 | |
| FY2023 | 14 | $10.6M | $515,050 | |
| FY2024 | 4 | $1.7M | $386,350 | |
| FY2025 | 20 | $18.7M | $731,000 | |
| FY2026 | 9 | $10.4M | $807,300 |
How often do these acquisition loans fail?
Of the 21 Interior Design Services acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), none have been charged off by the SBA. 14 have already been paid in full.
For comparison, Interior Design Services has none charged off, against the 3.5% average across all SBA 7(a) acquisition loans in the same cohort. 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.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Ohio | 7 | 10.0% | $4.2M | |
| 2 | Florida | 5 | 7.1% | $7.7M | |
| 3 | California | 5 | 7.1% | $6.2M | |
| 4 | Virginia | 5 | 7.1% | $3.7M | |
| 5 | Washington | 5 | 7.1% | $3.4M | |
| 6 | Texas | 4 | 5.7% | $3.4M | |
| 7 | Utah | 3 | 4.3% | $4.6M | |
| 8 | Arizona | 3 | 4.3% | $4.2M | |
| 9 | Delaware | 3 | 4.3% | $747K | |
| 10 | Wisconsin | 3 | 4.3% | $646K |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 4 | 5.7% | $6.9M | |
| 2 | SouthState Bank, National Association | 3 | 4.3% | $1.6M | |
| 3 | First Commonwealth Bank | 3 | 4.3% | $1.3M | |
| 4 | The Bancorp Bank National Association | 2 | 2.9% | $3.5M | |
| 5 | Banner Bank | 2 | 2.9% | $3.2M | |
| 6 | The Huntington National Bank | 2 | 2.9% | $1.2M | |
| 7 | Zions Bancorporation, National Association | 2 | 2.9% | $1.1M | |
| 8 | First Internet Bank of Indiana | 2 | 2.9% | $1.1M | |
| 9 | American Momentum Bank | 2 | 2.9% | $1.1M | |
| 10 | 22nd State Bank, A Division of 22nd State Banking Company | 2 | 2.9% | $768K |
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Franchise brands in Interior Design Services
1% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Board & Brush Creative Studios | 1 | 100.0% | $50K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Interior Design Services?
Median $513,300 across 70 acquisition loans (FY2018 to FY2026); the middle half ran $240,825 to $998,125. That is 20% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Interior Design Services acquisitions?
Live Oak Banking Company (4), SouthState Bank, National Association (3), First Commonwealth Bank (3), The Bancorp Bank National Association (2), Banner Bank (2).
Are businesses in Interior Design Services often franchised?
Rarely. Only 1% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in Interior Design Services?
Of 21 seasoned loans (FY2018 to FY2021), none charged off, against the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Interior Design Services acquisitions?
Median term 10 years, average initial rate 8.33% 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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