Security Guards and Patrol Services: SBA business acquisition loan data
25 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Security Guards and Patrol Services (NAICS 561612), totaling $24.5M. Median loan $500,000, 23% lower 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 $1,517,000 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 #260 of 300 industries tracked.
- Geography. Maryland leads with 4 loans; the top five states account for 64% of the industry's acquisitions.
- Jobs. Lenders reported 1,588 jobs supported across these loans, about 63.5 per acquisition, a rough proxy for the size of business changing hands.
Security Guards and Patrol Services acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 1 | $423K | $423,000 | |
| FY2019 | 4 | $1.1M | $287,500 | |
| FY2020 | 1 | $110K | $109,600 | |
| FY2021 | 5 | $1.6M | $242,000 | |
| FY2022 | 2 | $2M | $1,011,600 | |
| FY2023 | 0 | $0 | - | |
| FY2024 | 2 | $2.2M | $1,095,500 | |
| FY2025 | 4 | $9.4M | $2,550,000 | |
| FY2026 | 6 | $7.7M | $1,182,600 |
How often do these acquisition loans fail?
Fewer than 20 Security Guards and Patrol 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.
Seller note standby terms and third-party consents are reviewed before closing.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Maryland | 4 | 16.0% | $5.3M | |
| 2 | California | 4 | 16.0% | $4.6M | |
| 3 | Texas | 4 | 16.0% | $3.3M | |
| 4 | Nevada | 2 | 8.0% | $2.2M | |
| 5 | Nebraska | 2 | 8.0% | $550K | |
| 6 | Oklahoma | 2 | 8.0% | $355K | |
| 7 | Indiana | 2 | 8.0% | $300K | |
| 8 | Colorado | 1 | 4.0% | $4.1M | |
| 9 | Missouri | 1 | 4.0% | $2.3M | |
| 10 | Connecticut | 1 | 4.0% | $827K |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 3 | 12.0% | $2.9M | |
| 2 | First Internet Bank of Indiana | 2 | 8.0% | $2.2M | |
| 3 | Fulton Bank, National Association | 2 | 8.0% | $1.7M | |
| 4 | Newtek Small Business Finance, LLC | 2 | 8.0% | $1.3M | |
| 5 | Byline Bank | 2 | 8.0% | $550K | |
| 6 | Valliance Bank | 2 | 8.0% | $355K | |
| 7 | PNC Bank, National Association | 1 | 4.0% | $4.1M | |
| 8 | Grasshopper Bank National Association | 1 | 4.0% | $2.8M | |
| 9 | Truliant FCU | 1 | 4.0% | $2.3M | |
| 10 | T Bank, National Association | 1 | 4.0% | $2M |
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 Security Guards and Patrol Services?
Median $500,000 across 25 acquisition loans (FY2018 to FY2026); the middle half ran $190,000 to $1,517,000. That is 23% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Security Guards and Patrol Services acquisitions?
Live Oak Banking Company (3), First Internet Bank of Indiana (2), Fulton Bank, National Association (2), Newtek Small Business Finance, LLC (2), Byline Bank (2).
Are businesses in Security Guards and Patrol Services often franchised?
Rarely. Only 4% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in Security Guards and Patrol 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 Security Guards and Patrol Services acquisitions?
Median term 10 years, average initial rate 7.94% 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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