Solid Waste Collection: SBA business acquisition loan data
87 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Solid Waste Collection (NAICS 562111), totaling $82M. Median loan $511,500, 21% lower than the all-acquisition median. Annual volume rose 60% from FY2024 to FY2026.
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 $1,255,250 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.2% of all SBA-financed business purchases, ranking #112 of 300 industries tracked.
- Geography. Indiana leads with 9 loans; the top five states account for 38% of the industry's acquisitions.
- Jobs. Lenders reported 719 jobs supported across these loans, about 8.3 per acquisition, a rough proxy for the size of business changing hands.
Solid Waste Collection acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 8 | $5.8M | $454,650 | |
| FY2019 | 9 | $8.6M | $345,000 | |
| FY2020 | 13 | $13.6M | $607,000 | |
| FY2021 | 3 | $3M | $1,056,600 | |
| FY2022 | 7 | $7.3M | $350,000 | |
| FY2023 | 7 | $8.4M | $685,000 | |
| FY2024 | 10 | $8.5M | $524,500 | |
| FY2025 | 14 | $12.4M | $368,250 | |
| FY2026 | 16 | $14.4M | $598,500 |
How often do these acquisition loans fail?
Of the 33 Solid Waste Collection acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), none have been charged off by the SBA. 19 have already been paid in full.
For comparison, Solid Waste Collection has none charged off, against the 3.5% average across all SBA 7(a) acquisition loans in the same cohort. 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 | Indiana | 9 | 10.3% | $9.9M | |
| 2 | Pennsylvania | 7 | 8.0% | $6.2M | |
| 3 | Arizona | 6 | 6.9% | $8M | |
| 4 | Michigan | 6 | 6.9% | $3.7M | |
| 5 | Georgia | 5 | 5.7% | $3.7M | |
| 6 | Wisconsin | 5 | 5.7% | $3.3M | |
| 7 | California | 4 | 4.6% | $3.9M | |
| 8 | Minnesota | 4 | 4.6% | $1.8M | |
| 9 | New York | 3 | 3.4% | $5.6M | |
| 10 | North Carolina | 3 | 3.4% | $5.1M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 11 | 12.6% | $9M | |
| 2 | Live Oak Banking Company | 6 | 6.9% | $10.6M | |
| 3 | Old National Bank | 5 | 5.7% | $5.2M | |
| 4 | Byline Bank | 4 | 4.6% | $3.1M | |
| 5 | T Bank, National Association | 3 | 3.4% | $7.5M | |
| 6 | Heritage Bank Inc | 3 | 3.4% | $3.5M | |
| 7 | Zions Bancorporation, National Association | 3 | 3.4% | $2.2M | |
| 8 | Pinnacle Bank | 3 | 3.4% | $2M | |
| 9 | UMB Bank, National Association | 2 | 2.3% | $4.8M | |
| 10 | The Bancorp Bank National Association | 2 | 2.3% | $3.1M |
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
Franchise brands in Solid Waste Collection
20% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Bin There...Dump That | 5 | 29.4% | $3.5M | |
| 2 | Junk King | 4 | 23.5% | $1.1M |
Questions buyers ask
How much is a typical SBA loan to buy a business in Solid Waste Collection?
Median $511,500 across 87 acquisition loans (FY2018 to FY2026); the middle half ran $263,250 to $1,255,250. That is 21% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Solid Waste Collection acquisitions?
The Huntington National Bank (11), Live Oak Banking Company (6), Old National Bank (5), Byline Bank (4), T Bank, National Association (3).
Are businesses in Solid Waste Collection often franchised?
Sometimes. 20% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Bin There...Dump That, Junk King.
How risky are SBA loans for buying a business in Solid Waste Collection?
Of 33 seasoned loans (FY2018 to FY2021), none charged off, against the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Solid Waste Collection acquisitions?
Median term 10 years, average initial rate 8.27% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
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