How much do SBA lenders typically lend to a all other specialty trade contractors business?

The median SBA approval in NAICS 238990 is $150,000, with the middle 80% of loans between $20,100 and $1,000,000. Across all industries the median is $180,000.

Which lenders are most active in all other specialty trade contractors?

By dollars approved: The Huntington National Bank, Wells Fargo Bank, Live Oak Banking Company, U.S. Bank, Mortgage Capital Development Corporation. 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 all other specialty trade contractors considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.3% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 238990 · Construction

SBA loans for all other specialty trade contractors

15,723 SBA loans worth $6.10B have been approved in this industry since FY2010 - the #9 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$20K-$1.0M

Middle 80%

Median rate

7.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

7.3%

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
The Huntington National Bank	2,094	$471.7M
Wells Fargo Bank	826	$325.1M
Live Oak Banking Company	176	$214.1M
U.S. Bank	1,122	$165.8M
Mortgage Capital Development Corporation	122	$103.2M
JPMorgan Chase Bank	560	$95.8M
Newtek Small Business Finance, Inc.	124	$89.2M
KeyBank	223	$85.8M
Enterprise Bank & Trust	99	$81.5M
First Internet Bank of Indiana	71	$76.9M

Geography

Where these loans were made

State	Loans	Share
California	1,830
Ohio	1,264
Florida	1,139
New York	881
Texas	821
Michigan	737
Minnesota	557
Massachusetts	533

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
22%
$50K - $150K
25%
$150K - $350K
22%
$350K - $1M
20%
$1M - $2M
7%
Over $2M
4%

Nearby

Other construction industries

See the sector

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 Roofing Contractors3,918 · $150,000

Common questions

How much do SBA lenders typically lend to a all other specialty trade contractors business?: The median SBA approval in NAICS 238990 is $150,000, with the middle 80% of loans between $20,100 and $1,000,000. Across all industries the median is $180,000.
Which lenders are most active in all other specialty trade contractors?: By dollars approved: The Huntington National Bank, Wells Fargo Bank, Live Oak Banking Company, U.S. Bank, Mortgage Capital Development Corporation. 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 all other specialty trade contractors considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.3% were charged off, versus 7.6% across all SBA lending. That is close to average.

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