How much do SBA lenders typically lend to a water supply and irrigation systems business?

The median SBA approval in NAICS 221310 is $150,000, with the middle 80% of loans between $25,000 and $968,000. Across all industries the median is $180,000.

Which lenders are most active in water supply and irrigation systems?

By dollars approved: Newtek Bank, Regions Bank, Ameris Bank, FDIC - Community Bank & Trust-West Georgia, Fulton 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 water supply and irrigation systems considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.4% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 221310 · Utilities

SBA loans for water supply and irrigation systems

517 SBA loans worth $190.2M have been approved in this industry since FY2010 - the #331 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$25K-$968K

Middle 80%

Median rate

6.75%

7(a) initial note rate

Median term

10 yr

Charge-off rate

4.4%

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
Newtek Bank	10	$8.6M
Regions Bank	4	$6.4M
Ameris Bank	2	$5.9M
FDIC - Community Bank & Trust-West Georgia	3	$5.6M
Fulton Bank	2	$5.1M
Idaho Central CU	2	$5.0M
U.S. Bank	15	$4.9M
Byline Bank	3	$4.2M
Manufacturers and Traders Trust Company	13	$4.0M
The Huntington National Bank	32	$3.8M

Geography

Where these loans were made

State	Loans	Share
Texas	64
Florida	46
California	40
Ohio	23
Indiana	22
Washington	22
Massachusetts	19
Minnesota	18

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
21%
$50K - $150K
29%
$150K - $350K
24%
$350K - $1M
16%
$1M - $2M
7%
Over $2M
3%

Nearby

Other utilities industries

See the sector

Solar Electric Power Generation206 · $226,500 Natural Gas Distribution87 · $250,000 Electric Power Distribution73 · $250,000 Other Electric Power Generation59 · $220,000 Sewage Treatment Facilities47 · $225,000 Other Electric Power Generation41 · $1,305,000

Common questions

How much do SBA lenders typically lend to a water supply and irrigation systems business?: The median SBA approval in NAICS 221310 is $150,000, with the middle 80% of loans between $25,000 and $968,000. Across all industries the median is $180,000.
Which lenders are most active in water supply and irrigation systems?: By dollars approved: Newtek Bank, Regions Bank, Ameris Bank, FDIC - Community Bank & Trust-West Georgia, Fulton 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 water supply and irrigation systems considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.4% 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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