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NAICS 237110 · Construction
SBA loans for water and sewer line and related structures construction
1,126 SBA loans worth $442.8M have been approved in this industry since FY2010 - the #184 most-financed NAICS code in the country.
Median loan
$150,000
-17% vs all industries
Typical range
$25K-$942K
Middle 80%
Median rate
6.50%
7(a) initial note rate
Median term
9.3 yr
Charge-off rate
6.2%
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 |
|---|---|---|---|
| The Huntington National Bank | 120 | $21.5M | |
| JPMorgan Chase Bank | 47 | $12.2M | |
| First Internet Bank of Indiana | 6 | $12.2M | |
| Wells Fargo Bank | 44 | $9.8M | |
| Enterprise Bank & Trust | 6 | $9.6M | |
| Financial Resources Federal Credit Union | 4 | $9.4M | |
| Newtek Bank | 8 | $9.3M | |
| U.S. Bank | 69 | $8.8M | |
| Pathward | 3 | $6.8M | |
| SouthWest Bank | 4 | $6.7M |
An SBA 7(a) lender for loans this size
72% of the SBA loans approved in water and sewer line and related structures 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 $50K21%
- $50K - $150K27%
- $150K - $350K24%
- $350K - $1M19%
- $1M - $2M6%
- Over $2M3%
Franchise brands in Water and Sewer Line and Related Structures Construction
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Zoom Drain | 4 | $776K | |
| Conserva Irrigation | 2 | $310K |
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 water and sewer line and related structures construction business?
- The median SBA approval in NAICS 237110 is $150,000, with the middle 80% of loans between $25,000 and $942,000. Across all industries the median is $180,000.
- Which lenders are most active in water and sewer line and related structures construction?
- By dollars approved: The Huntington National Bank, JPMorgan Chase Bank, First Internet Bank of Indiana, Wells Fargo Bank, Enterprise Bank & Trust. 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 and sewer line and related structures construction considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 6.2% were charged off, versus 7.6% across all SBA lending. That is close to average.
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