NAICS 236210 · Construction
SBA loans for industrial building construction
1,180 SBA loans worth $558.1M have been approved in this industry since FY2010 - the #177 most-financed NAICS code in the country.
Median loan
$230,000
+28% vs all industries
Typical range
$30K-$1.1M
Middle 80%
Median rate
7.00%
7(a) initial note rate
Median term
10 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 | Share |
|---|---|---|---|
| Mortgage Capital Development Corporation | 22 | $20.4M | |
| Wells Fargo Bank | 47 | $16.1M | |
| U.S. Bank | 58 | $16.1M | |
| The Huntington National Bank | 50 | $15.5M | |
| Northeast Bank | 69 | $15.2M | |
| Newtek Small Business Finance, Inc. | 12 | $14.7M | |
| Live Oak Banking Company | 4 | $13.5M | |
| Midwest Regional Bank | 6 | $12.9M | |
| CDC Small Business Finance Corp. | 20 | $10.4M | |
| Fulton Bank | 3 | $9.9M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 205 | |
| Texas | 79 | |
| New York | 65 | |
| Florida | 60 | |
| Ohio | 50 | |
| Massachusetts | 46 | |
| Colorado | 42 | |
| Utah | 40 |
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 $50K14%
- $50K - $150K21%
- $150K - $350K27%
- $350K - $1M27%
- $1M - $2M7%
- Over $2M5%
Nearby
Other construction industries
All Other Specialty Trade Contractors15,723 · $150,000Residential Remodelers15,599 · $50,000Plumbing, Heating, and Air-Conditioning Contractors15,587 · $141,000Electrical Contractors and Other Wiring Installation Contractors10,910 · $100,000Commercial and Institutional Building Construction6,348 · $150,000Site Preparation Contractors6,105 · $100,500New Single-Family Housing Construction5,855 · $75,000Painting and Wall Covering Contractors4,412 · $60,000
Common questions
- How much do SBA lenders typically lend to a industrial building construction business?
- The median SBA approval in NAICS 236210 is $230,000, with the middle 80% of loans between $30,000 and $1,081,000. Across all industries the median is $180,000.
- Which lenders are most active in industrial building construction?
- By dollars approved: Mortgage Capital Development Corporation, Wells Fargo Bank, U.S. Bank, The Huntington National Bank, Northeast 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 industrial building construction 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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