Packaging and Labeling Services: SBA business acquisition loan data
28 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Packaging and Labeling Services (NAICS 561910), totaling $33.9M. Median loan $700,450, 9% higher than the all-acquisition median. 29% of these deals were franchised units.
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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 $1,231,750 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 #243 of 300 industries tracked.
- Geography. Oregon leads with 5 loans; the top five states account for 61% of the industry's acquisitions.
- Jobs. Lenders reported 221 jobs supported across these loans, about 7.9 per acquisition, a rough proxy for the size of business changing hands.
Packaging and Labeling Services acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 3 | $2M | $461,100 | |
| FY2019 | 1 | $179K | $179,000 | |
| FY2020 | 1 | $1.3M | $1,300,000 | |
| FY2021 | 10 | $12.3M | $684,900 | |
| FY2022 | 1 | $445K | $445,000 | |
| FY2023 | 4 | $2.7M | $649,350 | |
| FY2024 | 2 | $5.9M | $2,970,000 | |
| FY2025 | 4 | $3.9M | $1,071,700 | |
| FY2026 | 2 | $5.2M | $2,600,000 |
How often do these acquisition loans fail?
Fewer than 20 Packaging and Labeling 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.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Oregon | 5 | 17.9% | $3.9M | |
| 2 | Florida | 4 | 14.3% | $2M | |
| 3 | Michigan | 3 | 10.7% | $7M | |
| 4 | Illinois | 3 | 10.7% | $4.2M | |
| 5 | Massachusetts | 2 | 7.1% | $6.3M | |
| 6 | North Carolina | 2 | 7.1% | $3.1M | |
| 7 | California | 2 | 7.1% | $1M | |
| 8 | Arizona | 2 | 7.1% | $768K | |
| 9 | New York | 1 | 3.6% | $4M | |
| 10 | Wyoming | 1 | 3.6% | $702K |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Beacon Bank and Trust | 2 | 7.1% | $6.3M | |
| 2 | 22nd State Bank, A Division of 22nd State Banking Company | 2 | 7.1% | $1.6M | |
| 3 | The Huntington National Bank | 2 | 7.1% | $1.3M | |
| 4 | Live Oak Banking Company | 2 | 7.1% | $1.3M | |
| 5 | Regions Bank | 2 | 7.1% | $1.1M | |
| 6 | First-Citizens Bank & Trust Company | 2 | 7.1% | $1.1M | |
| 7 | U.S. Bank, National Association | 2 | 7.1% | $1M | |
| 8 | Western Alliance Bank | 2 | 7.1% | $768K | |
| 9 | Bankwell Bank | 1 | 3.6% | $4.9M | |
| 10 | First Horizon Bank | 1 | 3.6% | $4M |
Terms signed in the LOI shape the purchase agreement that follows.
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Franchise brands in Packaging and Labeling Services
29% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The UPS Store | 7 | 87.5% | $4.2M |
Questions buyers ask
How much is a typical SBA loan to buy a business in Packaging and Labeling Services?
Median $700,450 across 28 acquisition loans (FY2018 to FY2026); the middle half ran $423,750 to $1,231,750. That is 9% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Packaging and Labeling Services acquisitions?
Beacon Bank and Trust (2), 22nd State Bank, A Division of 22nd State Banking Company (2), The Huntington National Bank (2), Live Oak Banking Company (2), Regions Bank (2).
Are businesses in Packaging and Labeling Services often franchised?
Yes, often. 29% of SBA acquisition loans in this industry financed a franchised unit. Top brands: The UPS Store.
How risky are SBA loans for buying a business in Packaging and Labeling 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 Packaging and Labeling Services acquisitions?
Median term 10 years, average initial rate 7.19% 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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