NAICS 237120 · Construction
SBA loans for oil and gas pipeline and related structures construction
212 SBA loans worth $106.5M have been approved in this industry since FY2010 - the #528 most-financed NAICS code in the country.
Median loan
$212,150
+18% vs all industries
Typical range
$40K-$1.1M
Middle 80%
Median rate
6.00%
7(a) initial note rate
Median term
7 yr
Charge-off rate
12.3%
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 |
|---|---|---|---|
| Gibsland Bank & Trust Company | 9 | $10.9M | |
| Newtek Small Business Finance, Inc. | 4 | $5.6M | |
| Newtek Bank | 3 | $5.4M | |
| Texas National Bank of Jacksonville | 1 | $5.0M | |
| American Momentum Bank | 1 | $5.0M | |
| Bank of America | 4 | $4.8M | |
| Live Oak Banking Company | 2 | $4.8M | |
| JPMorgan Chase Bank | 4 | $3.3M | |
| Bank of the Sierra | 1 | $3.3M | |
| Western Commerce Bank | 5 | $3.2M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| Texas | 24 | |
| California | 18 | |
| Oklahoma | 16 | |
| Utah | 14 | |
| Ohio | 14 | |
| Louisiana | 11 | |
| New Mexico | 9 | |
| Colorado | 9 |
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 $50K12%
- $50K - $150K30%
- $150K - $350K21%
- $350K - $1M22%
- $1M - $2M9%
- Over $2M6%
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 oil and gas pipeline and related structures construction business?
- The median SBA approval in NAICS 237120 is $212,150, with the middle 80% of loans between $40,000 and $1,050,000. Across all industries the median is $180,000.
- Which lenders are most active in oil and gas pipeline and related structures construction?
- By dollars approved: Gibsland Bank & Trust Company, Newtek Small Business Finance, Inc., Newtek Bank, Texas National Bank of Jacksonville, American Momentum 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 oil and gas pipeline and related structures construction considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 12.3% were charged off, versus 7.6% across all SBA lending. That is materially above average, which in practice tends to mean tighter underwriting, more collateral, or a larger equity injection.
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