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

The median SBA approval in NAICS 238910 is $100,500, with the middle 80% of loans between $20,000 and $901,000. Across all industries the median is $180,000.

Which lenders are most active in site preparation contractors?

By dollars approved: The Huntington National Bank, U.S. Bank, Byline Bank, Columbia Bank, Wells Fargo 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 site preparation contractors considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.9% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 238910 · Construction

SBA loans for site preparation contractors

6,105 SBA loans worth $2.12B have been approved in this industry since FY2010 - the #37 most-financed NAICS code in the country.

Median loan

$100,500

-44% vs all industries

Typical range

$20K-$901K

Middle 80%

Median rate

6.70%

7(a) initial note rate

Median term

9.7 yr

Charge-off rate

4.9%

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	771	$98.3M
U.S. Bank	468	$47.8M
Byline Bank	22	$34.7M
Columbia Bank	99	$34.5M
Wells Fargo Bank	213	$33.9M
Newtek Small Business Finance, Inc.	32	$33.6M
Mountain West Small Business Finance	39	$33.4M
Mortgage Capital Development Corporation	40	$33.4M
Small Business Growth Corporation	43	$33.3M
CDC Small Business Finance Corp.	57	$33.1M

Geography

Where these loans were made

State	Loans	Share
Ohio	611
California	473
New York	358
Pennsylvania	256
Massachusetts	248
Washington	244
Michigan	241
Utah	229

Approvals by fiscal year

’10

’11

’12

’13

’14

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’16

’17

’18

’19

’20

’21

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’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
27%
$50K - $150K
28%
$150K - $350K
19%
$350K - $1M
17%
$1M - $2M
5%
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 New Single-Family Housing Construction5,855 · $75,000 Painting and Wall Covering Contractors4,412 · $60,000 Roofing Contractors3,918 · $150,000

Common questions

How much do SBA lenders typically lend to a site preparation contractors business?: The median SBA approval in NAICS 238910 is $100,500, with the middle 80% of loans between $20,000 and $901,000. Across all industries the median is $180,000.
Which lenders are most active in site preparation contractors?: By dollars approved: The Huntington National Bank, U.S. Bank, Byline Bank, Columbia Bank, Wells Fargo 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 site preparation contractors considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.9% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

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