How much do SBA lenders typically lend to a timber tract operations business?

The median SBA approval in NAICS 113110 is $97,050, with the middle 80% of loans between $25,000 and $660,000. Across all industries the median is $180,000.

Which lenders are most active in timber tract operations?

By dollars approved: Shoreham Bank, Byline Bank, RiverBank, The Huntington National Bank, Valley First Federal Credit Union. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

Is timber tract operations considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.6% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 113110 · Agriculture

SBA loans for timber tract operations

118 SBA loans worth $41.7M have been approved in this industry since FY2010 - the #653 most-financed NAICS code in the country.

Median loan

$97,050

-46% vs all industries

Typical range

$25K-$660K

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

7 yr

Charge-off rate

4.6%

vs 7.6% all industries

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Most active in this industry

Lender	Loans	Approved
Shoreham Bank	1	$5.0M
Byline Bank	1	$5.0M
RiverBank	2	$5.0M
The Huntington National Bank	24	$5.0M
Valley First Federal Credit Union	3	$4.5M
Buckeye State Bank	1	$2.0M
Florida First Capital Finance Corporation, Inc.	1	$1.9M
Oxford Bank	4	$1.8M
Primis Bank	1	$1.0M
Bar Harbor Bank & Trust	6	$718K

Geography

Where these loans were made

State	Loans	Share
Ohio	16
West Virginia	13
Mississippi	7
Michigan	7
New York	6
North Carolina	6
Texas	6
Maine	5

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
24%
$50K - $150K
37%
$150K - $350K
19%
$350K - $1M
13%
$1M - $2M
3%
Over $2M
4%

Nearby

Other agriculture industries

See the sector

Broilers and Other Meat Type Chicken Production4,094 · $677,000 Logging1,090 · $88,000 Support Activities for Animal Production803 · $189,000 Chicken Egg Production727 · $473,000 Beef Cattle Ranching and Farming629 · $75,300 Other Poultry Production483 · $350,000 Nursery and Tree Production452 · $260,500 Soil Preparation, Planting, and Cultivating451 · $171,600

Common questions

How much do SBA lenders typically lend to a timber tract operations business?: The median SBA approval in NAICS 113110 is $97,050, with the middle 80% of loans between $25,000 and $660,000. Across all industries the median is $180,000.
Which lenders are most active in timber tract operations?: By dollars approved: Shoreham Bank, Byline Bank, RiverBank, The Huntington National Bank, Valley First Federal Credit Union. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
Is timber tract operations considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.6% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

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