Photography Studios, Portrait: SBA business acquisition loan data
22 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Photography Studios, Portrait (NAICS 541921), totaling $14.7M. Median loan $262,900, 59% lower than the all-acquisition median.
Seller note standby terms and third-party consents are reviewed before closing.
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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 $554,625 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 #273 of 300 industries tracked.
- Geography. California leads with 3 loans; the top five states account for 50% of the industry's acquisitions.
- Jobs. Lenders reported 231 jobs supported across these loans, about 10.5 per acquisition, a rough proxy for the size of business changing hands.
Photography Studios, Portrait acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $350K | $174,900 | |
| FY2019 | 2 | $279K | $139,250 | |
| FY2020 | 3 | $2.3M | $650,000 | |
| FY2021 | 1 | $140K | $140,000 | |
| FY2022 | 3 | $1M | $312,000 | |
| FY2023 | 1 | $2.6M | $2,592,900 | |
| FY2024 | 2 | $244K | $121,750 | |
| FY2025 | 5 | $7.2M | $563,500 | |
| FY2026 | 3 | $622K | $236,000 |
How often do these acquisition loans fail?
Fewer than 20 Photography Studios, Portrait 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.
Seller note standby terms and third-party consents are reviewed before closing.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 3 | 13.6% | $940K | |
| 2 | Florida | 3 | 13.6% | $799K | |
| 3 | New York | 2 | 9.1% | $5.2M | |
| 4 | Texas | 2 | 9.1% | $1.4M | |
| 5 | Illinois | 1 | 4.5% | $2.6M | |
| 6 | Wisconsin | 1 | 4.5% | $1.5M | |
| 7 | Washington | 1 | 4.5% | $650K | |
| 8 | Pennsylvania | 1 | 4.5% | $450K | |
| 9 | South Dakota | 1 | 4.5% | $302K | |
| 10 | Minnesota | 1 | 4.5% | $245K |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | First National Bank of Pennsylvania | 2 | 9.1% | $578K | |
| 2 | Zions Bancorporation, National Association | 2 | 9.1% | $323K | |
| 3 | Firstrust Savings Bank | 1 | 4.5% | $4.9M | |
| 4 | Old National Bank | 1 | 4.5% | $2.6M | |
| 5 | Byline Bank | 1 | 4.5% | $1.5M | |
| 6 | City National Bank of Florida | 1 | 4.5% | $1.1M | |
| 7 | 1st Security Bank of Washington | 1 | 4.5% | $650K | |
| 8 | First Utah Bank | 1 | 4.5% | $564K | |
| 9 | Fulton Bank, National Association | 1 | 4.5% | $450K | |
| 10 | First Internet Bank of Indiana | 1 | 4.5% | $312K |
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 Photography Studios, Portrait?
Median $262,900 across 22 acquisition loans (FY2018 to FY2026); the middle half ran $140,550 to $554,625. That is 59% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Photography Studios, Portrait acquisitions?
First National Bank of Pennsylvania (2), Zions Bancorporation, National Association (2), Firstrust Savings Bank (1), Old National Bank (1), Byline Bank (1).
Are businesses in Photography Studios, Portrait 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 Photography Studios, Portrait?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Photography Studios, Portrait 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.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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