How much do SBA lenders typically lend to a soil preparation, planting, and cultivating business?

The median SBA approval in NAICS 115112 is $171,600, with the middle 80% of loans between $34,600 and $780,000. Across all industries the median is $180,000.

Which lenders are most active in soil preparation, planting, and cultivating?

By dollars approved: Stearns Bank, Newtek Bank, Red River State Bank, Dream First Bank, U.S. Bank. 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 soil preparation, planting, and cultivating considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 5.9% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 115112 · Agriculture

SBA loans for soil preparation, planting, and cultivating

451 SBA loans worth $153.4M have been approved in this industry since FY2010 - the #354 most-financed NAICS code in the country.

Median loan

$171,600

-5% vs all industries

Typical range

$35K-$780K

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

9.3 yr

Charge-off rate

5.9%

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
Stearns Bank	6	$6.3M
Newtek Bank	3	$5.8M
Red River State Bank	22	$5.8M
Dream First Bank	4	$5.7M
U.S. Bank	9	$5.4M
Regions Bank	3	$4.4M
Peoples Savings Bank	2	$4.0M
The First National Bank of Carmi	2	$3.6M
American Bank and Trust	2	$3.1M
Zions Bank, A Division of	11	$2.9M

Geography

Where these loans were made

State	Loans	Share
California	47
Minnesota	33
Iowa	22
Washington	22
North Dakota	20
Arkansas	18
Texas	18
Idaho	18

Approvals by fiscal year

’10

’11

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
15%
$50K - $150K
29%
$150K - $350K
27%
$350K - $1M
22%
$1M - $2M
4%
Over $2M
2%

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 Dairy Cattle and Milk Production403 · $217,000

Common questions

How much do SBA lenders typically lend to a soil preparation, planting, and cultivating business?: The median SBA approval in NAICS 115112 is $171,600, with the middle 80% of loans between $34,600 and $780,000. Across all industries the median is $180,000.
Which lenders are most active in soil preparation, planting, and cultivating?: By dollars approved: Stearns Bank, Newtek Bank, Red River State Bank, Dream First Bank, U.S. Bank. 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 soil preparation, planting, and cultivating considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 5.9% were charged off, versus 7.6% across all SBA lending. That is close to average.

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