Other Specialized Design Services: SBA business acquisition loan data
22 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Other Specialized Design Services (NAICS 541490), totaling $20.7M. Median loan $702,500, 9% higher 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 $1,414,250 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is less than 0.05% of all SBA-financed business purchases, ranking #272 of 300 industries tracked.
- Geography. Ohio leads with 4 loans; the top five states account for 55% of the industry's acquisitions.
- Jobs. Lenders reported 236 jobs supported across these loans, about 10.7 per acquisition, a rough proxy for the size of business changing hands.
Other Specialized Design Services acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 0 | $0 | - | |
| FY2020 | 4 | $2.5M | $642,500 | |
| FY2021 | 3 | $5M | $1,980,000 | |
| FY2022 | 1 | $1.5M | $1,519,000 | |
| FY2023 | 3 | $641K | $150,000 | |
| FY2024 | 1 | $905K | $905,000 | |
| FY2025 | 8 | $6.9M | $536,000 | |
| FY2026 | 2 | $3.2M | $1,591,200 |
How often do these acquisition loans fail?
Fewer than 20 Other Specialized Design 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.
Terms signed in the LOI shape the purchase agreement that follows.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Ohio | 4 | 18.2% | $3.3M | |
| 2 | Missouri | 2 | 9.1% | $3.7M | |
| 3 | New York | 2 | 9.1% | $2.1M | |
| 4 | Florida | 2 | 9.1% | $1.6M | |
| 5 | Michigan | 2 | 9.1% | $1.1M | |
| 6 | Rhode Island | 2 | 9.1% | $600K | |
| 7 | Illinois | 1 | 4.5% | $2.9M | |
| 8 | Maryland | 1 | 4.5% | $2.5M | |
| 9 | Colorado | 1 | 4.5% | $922K | |
| 10 | Massachusetts | 1 | 4.5% | $905K |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 6 | 27.3% | $4.4M | |
| 2 | Live Oak Banking Company | 3 | 13.6% | $3.3M | |
| 3 | Wheaton Bank & Trust Company, National Association | 1 | 4.5% | $2.9M | |
| 4 | Beacon Bank and Trust | 1 | 4.5% | $2.5M | |
| 5 | Banterra Bank | 1 | 4.5% | $2M | |
| 6 | Newtek Small Business Finance, LLC | 1 | 4.5% | $1.1M | |
| 7 | Dime Commercial Bank | 1 | 4.5% | $1M | |
| 8 | First Internet Bank of Indiana | 1 | 4.5% | $922K | |
| 9 | Cape and Coast Bank | 1 | 4.5% | $905K | |
| 10 | Eastern Bank | 1 | 4.5% | $500K |
Seller note standby terms and third-party consents are reviewed before closing.
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Franchise brands in Other Specialized Design Services
5% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Image360 | 1 | 100.0% | $441K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Other Specialized Design Services?
Median $702,500 across 22 acquisition loans (FY2018 to FY2026); the middle half ran $150,000 to $1,414,250. That is 9% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Other Specialized Design Services acquisitions?
The Huntington National Bank (6), Live Oak Banking Company (3), Wheaton Bank & Trust Company, National Association (1), Beacon Bank and Trust (1), Banterra Bank (1).
Are businesses in Other Specialized Design Services often franchised?
Rarely. Only 5% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in Other Specialized Design 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 Other Specialized Design Services acquisitions?
Median term 10 years, average initial rate 8.11% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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