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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 | Share |
|---|---|---|---|
| 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 |
An SBA 7(a) lender for loans this size
72% of the SBA loans approved in commercial and institutional building construction since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Approvals by fiscal year
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K20%
- $50K - $150K27%
- $150K - $350K25%
- $350K - $1M19%
- $1M - $2M5%
- Over $2M3%
Franchise brands in Commercial and Institutional Building Construction
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Servpro | 11 | $4.7M | |
| Restoration1 | 6 | $483K | |
| Tempory Wall Systems | 5 | $1.7M | |
| Paul Davis Restoration | 3 | $708K | |
| Fedex Ground | 3 | $766K | |
| Mr. Handyman | 3 | $270K | |
| ServiceMaster | 2 | $1.8M | |
| Snap Fitness | 1 | $1.2M | |
| True Value Hardware | 1 | $225K | |
| Rainbow Restoration | 1 | $365K |
Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.
Nearby
Other construction industries
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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