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

The median SBA approval in NAICS 238330 is $100,000, with the middle 80% of loans between $20,000 and $686,500. Across all industries the median is $180,000.

Which lenders are most active in flooring contractors?

By dollars approved: The Huntington National Bank, Wells Fargo Bank, U.S. Bank, JPMorgan Chase Bank, TD 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 flooring contractors considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.6% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 238330 · Construction

SBA loans for flooring contractors

3,129 SBA loans worth $896.6M have been approved in this industry since FY2010 - the #79 most-financed NAICS code in the country.

Median loan

$100,000

-44% vs all industries

Typical range

$20K-$687K

Middle 80%

Median rate

7.75%

7(a) initial note rate

Median term

10 yr

Charge-off rate

8.6%

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	347	$59.3M
Wells Fargo Bank	158	$41.5M
U.S. Bank	310	$34.8M
JPMorgan Chase Bank	176	$28.0M
TD Bank	175	$26.2M
Newtek Small Business Finance, Inc.	24	$22.5M
United Midwest Savings Bank	112	$16.5M
Pinnacle Bank	14	$15.9M
Live Oak Banking Company	17	$15.8M
First Commonwealth Bank	7	$15.3M

Geography

Where these loans were made

State	Loans	Share
California	304
Ohio	228
Texas	215
Florida	214
New York	196
Massachusetts	159
Illinois	131
Michigan	128

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

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’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
31%
$50K - $150K
27%
$150K - $350K
22%
$350K - $1M
13%
$1M - $2M
5%
Over $2M
2%

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 flooring contractors business?: The median SBA approval in NAICS 238330 is $100,000, with the middle 80% of loans between $20,000 and $686,500. Across all industries the median is $180,000.
Which lenders are most active in flooring contractors?: By dollars approved: The Huntington National Bank, Wells Fargo Bank, U.S. Bank, JPMorgan Chase Bank, TD 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 flooring contractors considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.6% were charged off, versus 7.6% across all SBA lending. That is close to average.

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