How much do SBA lenders typically lend to a other foundation, structure, and building exterior contractors business?

The median SBA approval in NAICS 238190 is $94,500, with the middle 80% of loans between $17,000 and $685,000. Across all industries the median is $180,000.

Which lenders are most active in other foundation, structure, and building exterior contractors?

By dollars approved: The Huntington National Bank, Truist Bank, Wells Fargo Bank, U.S. Bank, JPMorgan Chase 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 other foundation, structure, and building exterior contractors considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.0% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 238190 · Construction

SBA loans for other foundation, structure, and building exterior contractors

1,600 SBA loans worth $446.1M have been approved in this industry since FY2010 - the #142 most-financed NAICS code in the country.

Median loan

$94,500

-48% vs all industries

Typical range

$17K-$685K

Middle 80%

Median rate

7.40%

7(a) initial note rate

Median term

10 yr

Charge-off rate

8.0%

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
The Huntington National Bank	174	$22.8M
Truist Bank	16	$16.6M
Wells Fargo Bank	79	$16.3M
U.S. Bank	170	$13.7M
JPMorgan Chase Bank	84	$11.2M
Fifth Third Bank	22	$11.1M
Live Oak Banking Company	10	$10.8M
Byline Bank	3	$8.6M
Florida Business Development Corporation	7	$8.2M
Valley National Bank	2	$8.1M

Geography

Where these loans were made

State	Loans	Share
California	142
Ohio	116
New York	108
Florida	97
Minnesota	75
Pennsylvania	75
Texas	71
Colorado	62

Approvals by fiscal year

’10

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
33%
$50K - $150K
27%
$150K - $350K
21%
$350K - $1M
13%
$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 other foundation, structure, and building exterior contractors business?: The median SBA approval in NAICS 238190 is $94,500, with the middle 80% of loans between $17,000 and $685,000. Across all industries the median is $180,000.
Which lenders are most active in other foundation, structure, and building exterior contractors?: By dollars approved: The Huntington National Bank, Truist Bank, Wells Fargo Bank, U.S. Bank, JPMorgan Chase 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 other foundation, structure, and building exterior contractors considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.0% were charged off, versus 7.6% across all SBA lending. That is close to average.

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