SBA loans for bookkeeping businesses
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data [source] · File as of September 30, 2026 · Loans approved in federal fiscal years 2024–2026 (Oct 2023 – Sept 2026) · Imported November 4, 2026
Other Accounting Services (NAICS 541219)
1,032loans approved
$103,100median loan
$50K–$329Kmiddle half of loans
$312.5Mtotal approved
11%median initial rate
10 yrsmedian term
Borrowers reported 5,555 jobs created or retained.
0.9% of these loans went to franchise locations.
Loan sizes
States with the most loans
| State | Loans | Median |
|---|---|---|
| California | 155 | $150,000 |
| Florida | 111 | $85,000 |
| New York | 98 | $88,000 |
| Texas | 72 | $140,000 |
| Georgia | 37 | $150,000 |
| Massachusetts | 35 | $50,000 |
| North Carolina | 34 | $215,000 |
| Colorado | 31 | $150,000 |
| New Jersey | 31 | $100,000 |
| Washington | 30 | $94,000 |
Most active lenders
| Lender | Loans | Median | Total |
|---|---|---|---|
| Readycap Lending, LLC | 101 | $50,000 | $11.5M |
| Northeast Bank | 74 | $50,000 | $6.7M |
| Newtek Bank, National Association | 68 | $134,500 | $13.5M |
| The Huntington National Bank | 62 | $106,000 | $16.8M |
| TD Bank, National Association | 60 | $42,500 | $4.8M |
| Live Oak Banking Company | 59 | $300,000 | $31.0M |
| United Midwest Savings Bank National Association | 58 | $699,500 | $54.5M |
| Lendistry Sblc, LLC | 38 | $64,600 | $3.6M |
| Celtic Bank Corporation | 38 | $150,000 | $7.2M |
| Bayfirst National Bank | 32 | $122,500 | $4.0M |
Planning one? Read how to start a bookkeeping business and model payments with the loan calculator.
What this data does — and doesn't — tell you
- Approvals, not applications. These are loans SBA approved. The data has no denials, so it cannot tell you your odds of approval.
- Loan size is not startup cost. 7(a) loans also pay for buying existing businesses, real estate, equipment, refinancing and working capital.
- Gross approval amount. Figures are the full approved loan, including the part SBA does not guarantee. Some approved loans are later reduced or never fully disbursed.
- Industry codes are assigned at approval (NAICS) and can be imprecise — a mobile detailer may be coded as a car wash, for example.
- Medians beat averages here: a few very large loans pull averages up. We show the median and the middle half (25th–75th percentile).
- No default rates. Most recent loans are still being repaid, so charge-off rates for these years would be misleading. We don't show them.
- Cancelled loans are excluded, and any group with fewer than 10 loans is hidden. We never publish borrower names.
- Lender counts aren't a quality rating. Big national lenders make many small loans; local lenders may know your market better. Talk to several, or use SBA Lender Match.