Other Services
SBA Lenders for Other Repair & Services
Top lenders ranked by real SBA lending data for other repair & services nationwide.
What Borrowers Should Know
Your industry trades at a 35 basis point pricing advantage over the national median spread. Other Repair & Services sees a median spread of P+2.40% versus P+2.75% nationally, meaning lenders view this sector as less risky. This translates to real savings: on a $442,168 average deal at 7% rates, you'd pay roughly $1,500 less per year than borrowers in higher-spread industries. Lock in this favorable pricing now—it reflects current lender confidence in your sector's stability.
California dominates with 2,539 of your industry's 3,501 total SBA deals (72%), but Arizona comes a distant second at 580 deals. This concentration means lenders in CA have deep repair-service expertise and likely faster approval processes, but it also means tighter competition for local market share. If you're outside CA, you may face fewer specialized lenders—but less competition for capital. Choose your lender geography strategically based on whether you need speed or negotiating power.
The top 3 lenders (Wells Fargo, U.S. Bank, JPMorgan Chase) control 925 of 3,501 deals—26% of your entire industry's SBA volume. This oligopoly means you have fewer true alternatives than the 362 active lenders might suggest. Mid-tier lenders like Celtic Bank and CDC Small Business Finance (84 deals each) often offer faster decisions and more flexible terms for repair services. Before defaulting to the big three, interview at least one mid-market lender—they may better understand your business model.
Total SBA Loans
25,495
Active Lenders
1,787
Avg Deal Size
$369K
Total Volume
$9.4B
Other Repair & Services SBA loans average $369K in deal size across 25,495 total loans. The median 7(a) spread in this segment is P + 2.33%.
Top Lenders for Other Repair & Services
Ranked by total deal count nationwide.
| # | Lender | Type | Deals | Avg Size | Spread | |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | Bank | 1,849 | $200K | P + 2.38%AVERAGE | |
| 2 | Wells Fargo Bank National Association | Bank | 1,780 | $278K | P + 2.78%ABOVE AVG | |
| 3 | U.S. Bank, National Association | Bank | 960 | $232K | P + 2.29%AVERAGE | |
| 4 | JPMorgan Chase Bank, National Association | Bank | 945 | $203K | P + 2.69%AVERAGE | |
| 5 | TD Bank, National Association | Bank | 632 | $114K | P + 2.83%ABOVE AVG | |
| 6 | Manufacturers and Traders Trust Company | Bank | 512 | $125K | P + 2.72%AVERAGE | |
| 7 | Celtic Bank Corporation | Bank | 424 | $213K | P + 2.78%ABOVE AVG | |
| 8 | PNC Bank, National Association | Bank | 398 | $208K | P + 2.46%AVERAGE | |
| 9 | Readycap Lending, LLC | Non-Bank | 387 | $245K | P + 4.00%HIGH | |
| 10 | Northeast Bank | Bank | 383 | $142K | P + 3.02%ABOVE AVG | |
| 11 | BayFirst National Bank | Bank | 367 | $181K | P + 3.65%HIGH | |
| 12 | Live Oak Banking Company | Bank | 361 | $1.2M | P + 1.80%GOOD | |
| 13 | United Midwest Savings Bank National Association | Bank | 327 | $185K | P + 2.77%ABOVE AVG | |
| 14 | Truist Bank | Bank | 312 | $304K | P + 2.40%AVERAGE | |
| 15 | KeyBank National Association | Bank | 263 | $336K | P + 2.37%AVERAGE |
Top States for Other Repair & Services
Where other repair & services SBA lending is most active.