SBA Loan Statistics for SaaS and Software Businesses
SBA 7(a) loan statistics for software and SaaS businesses — median approvals, rates, acquisition share, and public vs SMB valuation multiples.
Data as of 2025-09-30 · Based on 2,083 SBA 7(a) loans across 5 NAICS codes
Industry Debt Benchmark
Median SBA 7(a) gross approval for SaaS & Software (FY 2025)
Avg Interest Rate (FY 2025)
9.73%
Acquisitions
8%
Loans (Selected FY)
1,055
+3% vs FY 2024
Loan Purpose Mix
How SBA 7(a) loans in your industry break down by business purpose · FY 2025
8% of SBA loans in your sector fund ownership changes — a signal of consolidation and reinvestment activity.
Typical Loan Size
Interest Rate Trend
All-years avg: 10.99% (FY 2024–2025)
Acquisition Activity in Your Sector
The share and size of Change of Ownership SBA loans signals how active acquisition financing is in your industry.
Acquisition Share
8%
Median Loan
$1,000,000
Median Rate
9.57%
Median Term
120 mo
2% of acquisition loans involved a franchise brand (e.g. Super 8, Urban Air, One Hour Air).
FY 2025 · 82 Change of Ownership loans · Loan approval ≠ purchase price
Two Markets for SaaS & Software
Public markets reward scale and liquidity. SMB lending reflects the capital available to businesses your size.
Wall Street
EV / EBITDA
—
EBITDA Margin
—
Main Street
SMB Multiple
—
Median SBA Loan
$564,333
1,055 SBA loans (latest FY)
The spread between these markets is the illiquidity and size discount built into SMB economics.
Important context
SBA loan approvals reflect financing amounts, not business enterprise value. Not all exits or acquisitions use SBA debt — buyers typically combine equity, seller notes, and conventional bank financing.
Data is aggregated and anonymized from SBA FOIA disclosures and Damodaran industry datasets. Public company multiples reflect listed firms and are not direct comparables for most SMB transactions.
See our valuation methodology for how XIT blends FCFF, FCFE, and EV/EBITDA — and why SBA loan sizes are financing context, not a formal appraisal.
What owners should know
Software founders often anchor on public SaaS multiples while buyers underwrite to cash flow and lender limits. SBA 7(a) data reveals how software businesses actually get financed on Main Street: median approval sizes, rate trends, and acquisition versus working-capital mix. We map FOIA disclosures to software NAICS codes and place them beside Damodaran public-company EV/EBITDA for the sector. The gap between Wall Street and Main Street is the story — use these numbers as financing context when raising capital, buying a competitor, or planning an exit.