How much do SBA lenders typically lend to a poured concrete foundation and structure contractors business?

The median SBA approval in NAICS 238110 is $120,000, with the middle 80% of loans between $20,000 and $730,000. Across all industries the median is $180,000.

Which lenders are most active in poured concrete foundation and structure contractors?

By dollars approved: The Huntington National Bank, Newtek Small Business Finance, Inc., Wells Fargo Bank, JPMorgan Chase Bank, U.S. 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 poured concrete foundation and structure contractors considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 5.7% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 238110 · Construction

SBA loans for poured concrete foundation and structure contractors

3,393 SBA loans worth $1.05B have been approved in this industry since FY2010 - the #73 most-financed NAICS code in the country.

Median loan

$120,000

-33% vs all industries

Typical range

$20K-$730K

Middle 80%

Median rate

6.99%

7(a) initial note rate

Median term

10 yr

Charge-off rate

5.7%

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
The Huntington National Bank	460	$52.4M
Newtek Small Business Finance, Inc.	29	$34.7M
Wells Fargo Bank	121	$34.5M
JPMorgan Chase Bank	123	$25.9M
U.S. Bank	278	$22.0M
United Midwest Savings Bank	149	$21.9M
First Internet Bank of Indiana	9	$17.4M
Enterprise Bank & Trust	16	$16.7M
KeyBank	65	$15.6M
Florida Business Development Corporation	22	$14.8M

Geography

Where these loans were made

State	Loans	Share
Ohio	374
California	310
Texas	202
Michigan	167
Florida	153
Colorado	140
New York	129
Minnesota	124

Approvals by fiscal year

’10

’11

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’14

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
25%
$50K - $150K
29%
$150K - $350K
23%
$350K - $1M
16%
$1M - $2M
4%
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 Commercial and Institutional Building Construction6,348 · $150,000 Site Preparation Contractors6,105 · $100,500 New Single-Family Housing Construction5,855 · $75,000 Painting and Wall Covering Contractors4,412 · $60,000

Common questions

How much do SBA lenders typically lend to a poured concrete foundation and structure contractors business?: The median SBA approval in NAICS 238110 is $120,000, with the middle 80% of loans between $20,000 and $730,000. Across all industries the median is $180,000.
Which lenders are most active in poured concrete foundation and structure contractors?: By dollars approved: The Huntington National Bank, Newtek Small Business Finance, Inc., Wells Fargo Bank, JPMorgan Chase Bank, U.S. 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 poured concrete foundation and structure contractors considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 5.7% were charged off, versus 7.6% across all SBA lending. That is close to average.

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