Professional and Management Development Training: SBA business acquisition loan data
29 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Professional and Management Development Training (NAICS 611430), totaling $54M. Median loan $1,579,800, 145% 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 $2,691,000 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 #240 of 300 industries tracked.
- Geography. Texas leads with 5 loans; the top five states account for 52% of the industry's acquisitions.
- Jobs. Lenders reported 189 jobs supported across these loans, about 6.5 per acquisition, a rough proxy for the size of business changing hands.
Professional and Management Development Training acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 4 | $6M | $1,364,450 | |
| FY2019 | 4 | $9.7M | $2,285,950 | |
| FY2020 | 2 | $2.1M | $1,034,000 | |
| FY2021 | 2 | $4.5M | $2,231,250 | |
| FY2022 | 0 | $0 | - | |
| FY2023 | 0 | $0 | - | |
| FY2024 | 2 | $2.5M | $1,235,500 | |
| FY2025 | 8 | $12.6M | $1,097,750 | |
| FY2026 | 7 | $16.8M | $1,853,000 |
How often do these acquisition loans fail?
Fewer than 20 Professional and Management Development Training 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 | Texas | 5 | 17.2% | $8.3M | |
| 2 | California | 4 | 13.8% | $6M | |
| 3 | Ohio | 3 | 10.3% | $1.2M | |
| 4 | Florida | 2 | 6.9% | $5.4M | |
| 5 | New Jersey | 1 | 3.4% | $5M | |
| 6 | Montana | 1 | 3.4% | $4.8M | |
| 7 | Arizona | 1 | 3.4% | $4.1M | |
| 8 | District of Columbia | 1 | 3.4% | $3.9M | |
| 9 | Georgia | 1 | 3.4% | $2.9M | |
| 10 | Delaware | 1 | 3.4% | $2.7M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 3 | 10.3% | $9.7M | |
| 2 | Happen Bank | 3 | 10.3% | $5.4M | |
| 3 | The Huntington National Bank | 3 | 10.3% | $1.4M | |
| 4 | Pathward National Association | 2 | 6.9% | $6.1M | |
| 5 | First Horizon Bank | 2 | 6.9% | $5.5M | |
| 6 | Truliant FCU | 2 | 6.9% | $4.5M | |
| 7 | First Internet Bank of Indiana | 1 | 3.4% | $4.1M | |
| 8 | PNC Bank, National Association | 1 | 3.4% | $3.5M | |
| 9 | Fifth Third Bank | 1 | 3.4% | $2.6M | |
| 10 | Manufacturers and Traders Trust Company | 1 | 3.4% | $1.7M |
That draft favors the seller. We review it for the buyer, line by line.
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Questions buyers ask
How much is a typical SBA loan to buy a business in Professional and Management Development Training?
Median $1,579,800 across 29 acquisition loans (FY2018 to FY2026); the middle half ran $663,000 to $2,691,000. That is 145% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Professional and Management Development Training acquisitions?
Live Oak Banking Company (3), Happen Bank (3), The Huntington National Bank (3), Pathward National Association (2), First Horizon Bank (2).
Are businesses in Professional and Management Development Training often franchised?
Rarely. Only 3% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in Professional and Management Development Training?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Professional and Management Development Training acquisitions?
Median term 10 years, average initial rate 8.12% 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.
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