SBA loans for pet grooming 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
Pet Care (except Veterinary) Services (NAICS 812910)
1,641loans approved
$238,500median loan
$55K–$564Kmiddle half of loans
$797.5Mtotal approved
10%median initial rate
10 yrsmedian term
Borrowers reported 15,352 jobs created or retained.
28% of these loans went to franchise locations.
Loan sizes
States with the most loans
| State | Loans | Median |
|---|---|---|
| Texas | 141 | $315,000 |
| California | 134 | $243,500 |
| Florida | 117 | $250,000 |
| New York | 89 | $135,000 |
| Ohio | 83 | $116,000 |
| Colorado | 67 | $286,300 |
| Pennsylvania | 65 | $250,000 |
| Illinois | 62 | $341,000 |
| Michigan | 60 | $115,050 |
| North Carolina | 59 | $350,000 |
Most active lenders
| Lender | Loans | Median | Total |
|---|---|---|---|
| The Huntington National Bank | 283 | $75,000 | $67.9M |
| Live Oak Banking Company | 104 | $906,100 | $136.6M |
| First Financial Bank | 81 | $732,000 | $86.0M |
| Newtek Bank, National Association | 63 | $100,000 | $9.8M |
| Readycap Lending, LLC | 55 | $80,000 | $19.3M |
| U.S. Bank, National Association | 48 | $38,250 | $17.7M |
| TD Bank, National Association | 46 | $51,500 | $7.7M |
| Northeast Bank | 43 | $70,000 | $4.5M |
| Manufacturers and Traders Trust Company | 42 | $30,000 | $3.7M |
| First Bank of The Lake | 35 | $414,000 | $24.9M |
Planning one? Read how to start a pet grooming 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.