Other Services to Buildings and Dwellings: SBA business acquisition loan data
249 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Other Services to Buildings and Dwellings (NAICS 561790), totaling $169M. Median loan $400,000, 38% lower 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 $925,000 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.5% of all SBA-financed business purchases, ranking #46 of 300 industries tracked.
- Geography. Florida leads with 34 loans; the top five states account for 46% of the industry's acquisitions.
- Jobs. Lenders reported 2,396 jobs supported across these loans, about 9.6 per acquisition, a rough proxy for the size of business changing hands.
Other Services to Buildings and Dwellings acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 19 | $8.6M | $280,000 | |
| FY2019 | 23 | $12.1M | $350,000 | |
| FY2020 | 23 | $18M | $336,500 | |
| FY2021 | 26 | $14.6M | $390,200 | |
| FY2022 | 20 | $16M | $480,700 | |
| FY2023 | 23 | $11.6M | $350,000 | |
| FY2024 | 33 | $26.6M | $834,000 | |
| FY2025 | 39 | $31.2M | $650,000 | |
| FY2026 | 43 | $30.7M | $439,000 |
How often do these acquisition loans fail?
Of the 91 Other Services to Buildings and Dwellings acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 6 have been charged off by the SBA, a rate of 6.6% by loan count and 3.9% by dollars. 35 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 Other Services to Buildings and Dwellings is 87% 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.
The purchase agreement decides what you bought, not the loan approval.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Florida | 34 | 13.7% | $24.9M | |
| 2 | Texas | 30 | 12.0% | $21M | |
| 3 | California | 26 | 10.4% | $15.3M | |
| 4 | Arizona | 14 | 5.6% | $9.8M | |
| 5 | Colorado | 11 | 4.4% | $4.8M | |
| 6 | Ohio | 10 | 4.0% | $8.1M | |
| 7 | Massachusetts | 10 | 4.0% | $5M | |
| 8 | Illinois | 8 | 3.2% | $7M | |
| 9 | South Carolina | 8 | 3.2% | $4.6M | |
| 10 | Washington | 7 | 2.8% | $8.7M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 32 | 12.9% | $25.5M | |
| 2 | The Huntington National Bank | 20 | 8.0% | $14.8M | |
| 3 | Stearns Bank National Association | 10 | 4.0% | $5M | |
| 4 | Customers Bank | 9 | 3.6% | $5.2M | |
| 5 | United Community Bank | 7 | 2.8% | $4M | |
| 6 | Columbia Bank | 6 | 2.4% | $5.1M | |
| 7 | First Internet Bank of Indiana | 5 | 2.0% | $4.9M | |
| 8 | First Bank | 5 | 2.0% | $1.7M | |
| 9 | Beacon Bank and Trust | 4 | 1.6% | $5.5M | |
| 10 | Truliant FCU | 4 | 1.6% | $3.6M |
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
Franchise brands in Other Services to Buildings and Dwellings
19% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Servpro | 15 | 31.9% | $9.3M | |
| 2 | ServiceMaster | 2 | 4.3% | $2.1M | |
| 3 | Fish Window Cleaning Services | 2 | 4.3% | $914K | |
| 4 | PuroClean | 1 | 2.1% | $1.2M | |
| 5 | Outdoor Lighting Perspectives | 1 | 2.1% | $733K | |
| 6 | Rainbow Restoration | 1 | 2.1% | $350K | |
| 7 | Hoodz | 1 | 2.1% | $280K | |
| 8 | UNITS | 1 | 2.1% | $260K | |
| 9 | Budget Blinds | 1 | 2.1% | $245K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Other Services to Buildings and Dwellings?
Median $400,000 across 249 acquisition loans (FY2018 to FY2026); the middle half ran $239,000 to $925,000. That is 38% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Other Services to Buildings and Dwellings acquisitions?
Live Oak Banking Company (32), The Huntington National Bank (20), Stearns Bank National Association (10), Customers Bank (9), United Community Bank (7).
Are businesses in Other Services to Buildings and Dwellings often franchised?
Sometimes. 19% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Servpro, ServiceMaster, Fish Window Cleaning Services, PuroClean, Outdoor Lighting Perspectives.
How risky are SBA loans for buying a business in Other Services to Buildings and Dwellings?
Of 91 seasoned loans (FY2018 to FY2021), 6.6% charged off, 87% higher than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Other Services to Buildings and Dwellings acquisitions?
Median term 10 years, average initial rate 8.29% 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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