How much do SBA lenders typically lend to a framing contractors business?

The median SBA approval in NAICS 238130 is $50,000, with the middle 80% of loans between $15,000 and $356,600. Across all industries the median is $180,000.

Which lenders are most active in framing contractors?

By dollars approved: Newtek Small Business Finance, Inc., The Huntington National Bank, JPMorgan Chase Bank, MVB Bank, Inc., Sturgis Bank & Trust Company. 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 framing contractors considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.3% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 238130 · Construction

SBA loans for framing contractors

687 SBA loans worth $123.5M have been approved in this industry since FY2010 - the #272 most-financed NAICS code in the country.

Median loan

$50,000

-72% vs all industries

Typical range

$15K-$357K

Middle 80%

Median rate

7.75%

7(a) initial note rate

Median term

7 yr

Charge-off rate

8.3%

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
Newtek Small Business Finance, Inc.	2	$7.0M
The Huntington National Bank	78	$6.7M
JPMorgan Chase Bank	45	$6.6M
MVB Bank, Inc.	1	$5.0M
Sturgis Bank & Trust Company	1	$4.9M
Columbia Bank	23	$4.6M
Ledyard National Bank	1	$4.1M
TD Bank	47	$4.1M
KeyBank	12	$3.4M
FDIC - Community Bank & Trust-West Georgia	1	$2.8M

Geography

Where these loans were made

State	Loans	Share
California	72
Massachusetts	52
Ohio	51
New York	48
Michigan	33
Washington	32
Texas	29
Florida	25

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
40%
$50K - $150K
33%
$150K - $350K
15%
$350K - $1M
8%
$1M - $2M
2%
Over $2M
1%

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 framing contractors business?: The median SBA approval in NAICS 238130 is $50,000, with the middle 80% of loans between $15,000 and $356,600. Across all industries the median is $180,000.
Which lenders are most active in framing contractors?: By dollars approved: Newtek Small Business Finance, Inc., The Huntington National Bank, JPMorgan Chase Bank, MVB Bank, Inc., Sturgis Bank & Trust Company. 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 framing contractors considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.3% were charged off, versus 7.6% across all SBA lending. That is close to average.

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