SBA loans by business type
SBA Loans for Pet Care Businesses
SBA lenders funded 6,352 7(a) and 504 loans for pet care businesses since FY2010 (0.6% of all SBA lending in the data), totaling $2.7B, an average of $427K per loan. The most active lender is Live Oak Banking Company.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
These figures are computed from the SBA's public 7(a) and 504 funded-loan records for Pet Care (except Veterinary) Services (NAICS 81291). They cover funded loans, not applications, so a lender's activity here is a track-record signal — not a guarantee you will be approved. Of these, 11% are 504 loans (owner-occupied real estate and long-term equipment), which is why average loan sizes here run large. Among the 7(a) loans, the charge-off rate is 2.4% — a relative track-record signal, not a lifetime default rate (504 charge-offs are not reported in the SBA data); see our methodology. Estimate a payment with the SBA loan calculator, or check the basics with the eligibility checker.
Top SBA lenders in Other Services, the sector that includes pet care businesses
Ranked by SBA loans funded across Other Services (NAICS 81), the full sector that contains Pet Care (except Veterinary) Services (NAICS 81291). The sector is broader than pet care businesses alone, and sector level is the granularity our per-lender track-record data supports, so every figure below, including the 7(a) charge-off rate, is sector-wide, not specific to pet care businesses. Charge-off is reported on 7(a) loans, never on 504 loans, so a lender without a reliable 7(a) sample in the sector shows “not reported,” never 0%. A lender active in your situation is a good place to start; talk to a few before you apply.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 7,229 | $1.6B | $216K | 3.13% |
| 2 | Wells Fargo Bank National Association | 5,610 | $1.5B | $271K | 6.43% |
| 3 | U.S. Bank, National Association | 4,348 | $953.3M | $219K | 3.33% |
| 4 | JPMorgan Chase Bank, National Association | 2,896 | $475.6M | $164K | 6.01% |
| 5 | TD Bank, National Association | 2,821 | $320.1M | $113K | 8.65% |
| 6 | Manufacturers and Traders Trust Company | 2,327 | $243.9M | $105K | 4.81% |
| 7 | Live Oak Banking Company | 1,707 | $2.1B | $1.3M | 0.41% |
| 8 | PNC Bank, National Association | 1,681 | $339.6M | $202K | 5.59% |
| 9 | Celtic Bank Corporation | 1,490 | $881.0M | $591K | 11.95% |
| 10 | Northeast Bank | 1,340 | $193.9M | $145K | 2.76% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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Top states for pet care businesses SBA loans
| State | Loans | Total volume |
|---|---|---|
| Texas | 545 | $355.8M |
| California | 467 | $248.3M |
| Florida | 347 | $174.8M |
| North Carolina | 223 | $121.8M |
| Illinois | 245 | $119.2M |
| Georgia | 219 | $116.8M |
| New Jersey | 199 | $106.9M |
| Colorado | 221 | $105.8M |
| Ohio | 400 | $98.7M |
| Michigan | 219 | $81.1M |
SBA lending for pet care businesses by year
Funded SBA volume by approval fiscal year (FY2010–2026).
SBA loans for pet care businesses: frequently asked questions
Can you get an SBA loan for pet care businesses?
Yes. Lenders funded 6,352 SBA 7(a) and 504 loans for pet care businesses in the public data (as of 2026-03-31), 0.6% of all SBA lending, totaling $2.7B.
How much is a typical SBA loan for pet care businesses?
The average SBA loan for pet care businesses is $427K, across 6,352 funded loans. Your amount depends on use of funds, cash flow, and the lender.
Which SBA lenders fund pet care businesses?
Live Oak Banking Company, The Huntington National Bank, Wells Fargo Bank National Association are among the most active SBA lenders for pet care businesses by funded volume. A lender that regularly funds your situation is more likely to understand the deal.