How much do SBA lenders typically lend to a commercial and institutional building construction business?

The median SBA approval in NAICS 236220 is $150,000, with the middle 80% of loans between $25,000 and $846,000. Across all industries the median is $180,000.

Which lenders are most active in commercial and institutional building construction?

By dollars approved: JPMorgan Chase Bank, Wells Fargo Bank, The Huntington National Bank, Newtek Small Business Finance, Inc., Mortgage Capital Development Corporation. 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 commercial and institutional building construction considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.0% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 236220 · Construction

SBA loans for commercial and institutional building construction

6,348 SBA loans worth $2.26B have been approved in this industry since FY2010 - the #35 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$25K-$846K

Middle 80%

Median rate

7.25%

7(a) initial note rate

Median term

10 yr

Charge-off rate

9.0%

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
JPMorgan Chase Bank	447	$93.5M
Wells Fargo Bank	335	$86.5M
The Huntington National Bank	342	$80.5M
Newtek Small Business Finance, Inc.	53	$52.6M
Mortgage Capital Development Corporation	47	$51.3M
U.S. Bank	434	$43.9M
Manufacturers and Traders Trust Company	325	$40.7M
Northeast Bank	152	$32.8M
TD Bank	284	$32.8M
Enterprise Bank & Trust	44	$31.1M

Geography

Where these loans were made

State	Loans	Share
California	928
Texas	534
New York	519
Florida	379
Ohio	313
Illinois	221
Massachusetts	208
New Jersey	193

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
20%
$50K - $150K
27%
$150K - $350K
25%
$350K - $1M
19%
$1M - $2M
5%
Over $2M
3%

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 Site Preparation Contractors6,105 · $100,500 New Single-Family Housing Construction5,855 · $75,000 Painting and Wall Covering Contractors4,412 · $60,000 Roofing Contractors3,918 · $150,000

Common questions

How much do SBA lenders typically lend to a commercial and institutional building construction business?: The median SBA approval in NAICS 236220 is $150,000, with the middle 80% of loans between $25,000 and $846,000. Across all industries the median is $180,000.
Which lenders are most active in commercial and institutional building construction?: By dollars approved: JPMorgan Chase Bank, Wells Fargo Bank, The Huntington National Bank, Newtek Small Business Finance, Inc., Mortgage Capital Development Corporation. 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 commercial and institutional building construction considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.0% were charged off, versus 7.6% across all SBA lending. That is close to average.

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