How much do SBA lenders typically lend to a new housing for-sale builders business?

The median SBA approval in NAICS 236117 is $150,000, with the middle 80% of loans between $25,000 and $1,083,700. Across all industries the median is $180,000.

Which lenders are most active in new housing for-sale builders?

By dollars approved: 1st Financial Bank USA, First National Bank and Trust Company of Weatherford d/b/a First Bank Texas, First General Bank, First Bank of Central Ohio, Marion & Polk Schools CU. 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 new housing for-sale builders considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.6% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 236117 · Construction

SBA loans for new housing for-sale builders

222 SBA loans worth $95.2M have been approved in this industry since FY2010 - the #518 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$25K-$1.1M

Middle 80%

Median rate

6.36%

7(a) initial note rate

Median term

8.8 yr

Charge-off rate

8.6%

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
1st Financial Bank USA	3	$13.5M
First National Bank and Trust Company of Weatherford d/b/a First Bank Texas	3	$5.2M
First General Bank	1	$5.0M
First Bank of Central Ohio	1	$5.0M
Marion & Polk Schools CU	1	$3.6M
Community Banks of Colorado, A Division of NBH Bank	2	$3.2M
Wolf River Community Bank	2	$3.1M
Centerstone SBA Lending, Inc.	1	$2.6M
U.S. Bank	11	$2.4M
BMO Bank	2	$2.3M

Geography

Where these loans were made

State	Loans	Share
Texas	25
California	20
New York	17
Utah	15
Colorado	11
Florida	11
Massachusetts	10
Minnesota	9

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
17%
$50K - $150K
31%
$150K - $350K
26%
$350K - $1M
16%
$1M - $2M
6%
Over $2M
5%

Nearby

Other construction industries

See the sector

All Other Specialty Trade Contractors15,723 · $150,000 Residential Remodelers15,599 · $50,000 Plumbing, Heating, and Air-Conditioning Contractors15,587 · $141,000 Electrical Contractors and Other Wiring Installation Contractors10,910 · $100,000 Commercial and Institutional Building Construction6,348 · $150,000 Site Preparation Contractors6,105 · $100,500 New Single-Family Housing Construction5,855 · $75,000 Painting and Wall Covering Contractors4,412 · $60,000

Common questions

How much do SBA lenders typically lend to a new housing for-sale builders business?: The median SBA approval in NAICS 236117 is $150,000, with the middle 80% of loans between $25,000 and $1,083,700. Across all industries the median is $180,000.
Which lenders are most active in new housing for-sale builders?: By dollars approved: 1st Financial Bank USA, First National Bank and Trust Company of Weatherford d/b/a First Bank Texas, First General Bank, First Bank of Central Ohio, Marion & Polk Schools CU. 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 new housing for-sale builders considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.6% were charged off, versus 7.6% across all SBA lending. That is close to average.

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