Used Household and Office Goods Moving: SBA business acquisition loan data
71 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Used Household and Office Goods Moving (NAICS 484210), totaling $73.9M. Median loan $718,200, 11% higher than the all-acquisition median. Annual volume fell 30% from FY2024 to FY2026. 34% of these deals were franchised units.
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 $1,454,350 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 #127 of 300 industries tracked.
- Geography. Texas leads with 8 loans; the top five states account for 44% of the industry's acquisitions.
- Jobs. Lenders reported 1,692 jobs supported across these loans, about 23.8 per acquisition, a rough proxy for the size of business changing hands.
Used Household and Office Goods Moving acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 3 | $1.7M | $562,000 | |
| FY2019 | 11 | $9.8M | $443,000 | |
| FY2020 | 6 | $7.5M | $1,236,000 | |
| FY2021 | 8 | $4.7M | $479,750 | |
| FY2022 | 11 | $12.5M | $694,400 | |
| FY2023 | 7 | $7.5M | $765,000 | |
| FY2024 | 10 | $12.5M | $989,250 | |
| FY2025 | 8 | $12.5M | $734,100 | |
| FY2026 | 7 | $5.2M | $530,600 |
How often do these acquisition loans fail?
Of the 28 Used Household and Office Goods Moving acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 4 have been charged off by the SBA, a rate of 14.3% by loan count and 13.7% by dollars. 11 have already been paid in full.
For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so Used Household and Office Goods Moving is 306% higher than the acquisition-loan average. 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.
Terms signed in the LOI shape the purchase agreement that follows.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Texas | 8 | 11.3% | $8.6M | |
| 2 | Florida | 8 | 11.3% | $6.4M | |
| 3 | Minnesota | 6 | 8.5% | $3.5M | |
| 4 | California | 5 | 7.0% | $3M | |
| 5 | Ohio | 4 | 5.6% | $4.6M | |
| 6 | Arizona | 3 | 4.2% | $3.2M | |
| 7 | New Jersey | 3 | 4.2% | $1.5M | |
| 8 | Maryland | 3 | 4.2% | $646K | |
| 9 | Georgia | 2 | 2.8% | $5.9M | |
| 10 | Connecticut | 2 | 2.8% | $4.5M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 7 | 9.9% | $8.9M | |
| 2 | Stock Yards Bank & Trust Company | 6 | 8.5% | $8.6M | |
| 3 | The Huntington National Bank | 4 | 5.6% | $2.1M | |
| 4 | TowneBank | 3 | 4.2% | $6M | |
| 5 | Celtic Bank Corporation | 3 | 4.2% | $3.9M | |
| 6 | BayFirst National Bank | 3 | 4.2% | $3.7M | |
| 7 | Stearns Bank National Association | 2 | 2.8% | $1.5M | |
| 8 | Wilmington Savings Fund Society FSB | 2 | 2.8% | $1.3M | |
| 9 | Midwest Regional Bank | 2 | 2.8% | $1.3M | |
| 10 | Customers Bank | 2 | 2.8% | $1M |
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Franchise brands in Used Household and Office Goods Moving
34% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Two Men and a Truck | 16 | 66.7% | $20.4M | |
| 2 | College Hunks Hauling Junk | 4 | 16.7% | $3.5M | |
| 3 | Junk King | 1 | 4.2% | $350K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Used Household and Office Goods Moving?
Median $718,200 across 71 acquisition loans (FY2018 to FY2026); the middle half ran $314,350 to $1,454,350. That is 11% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Used Household and Office Goods Moving acquisitions?
Live Oak Banking Company (7), Stock Yards Bank & Trust Company (6), The Huntington National Bank (4), TowneBank (3), Celtic Bank Corporation (3).
Are businesses in Used Household and Office Goods Moving often franchised?
Yes, often. 34% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Two Men and a Truck, College Hunks Hauling Junk, Junk King.
How risky are SBA loans for buying a business in Used Household and Office Goods Moving?
Of 28 seasoned loans (FY2018 to FY2021), 14.3% charged off, 306% higher than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Used Household and Office Goods Moving acquisitions?
Median term 10 years, average initial rate 7.89% 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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