SBA loans for administrative management and general management consulting services
NAICS 541611 · Program that usually fits: 7(a)
Consulting firms have few physical assets, so lenders look closely at cash flow, client concentration and the owner's experience. SBA 7(a) loans are a common way to finance buying a practice from a retiring owner.
What borrowers use the money for
- Hiring ahead of new engagements
- Buying a consulting practice
- Office build-out
- Working capital while waiting on receivables
Example: a $350,000 loan
At today's maximum variable 7(a) rate of 11.50% over 10 years, the payment would be about $4,921 a month. Most well-qualified borrowers get a lower rate. Try your own numbers.
Today's rate caps
| Loan amount | Maximum spread | Maximum variable rate today |
|---|---|---|
| $50,000 or less | Prime + 6.5 | 13.50% |
| $50,001 to $250,000 | Prime + 6.0 | 13.00% |
| $250,001 to $350,000 | Prime + 4.5 | 11.50% |
| Over $350,000 | Prime + 3.0 | 10.00% |
Questions
Can a management consulting business get an SBA loan?
Yes, if the business is for-profit, meets SBA size standards for NAICS 541611, and can show it can repay. Consulting firms have few physical assets, so lenders look closely at cash flow, client concentration and the owner's experience.
What is the NAICS code for administrative management and general management consulting services?
NAICS 541611. Lenders use it to check SBA size standards and eligibility.
Sources: SBA 7(a) terms, conditions and maximum variable rates; Federal Reserve H.15 selected interest rates (bank prime loan rate); October 2026 SBA 504 debenture pricing, as published by CDCs; SBA FOIA 7(a) and 504 loan-level data.