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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 | Share |
|---|---|---|---|
| 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 |
An SBA 7(a) lender for loans this size
70% of the SBA loans approved in all other specialty trade contractors since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Approvals by fiscal year
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K22%
- $50K - $150K25%
- $150K - $350K22%
- $350K - $1M20%
- $1M - $2M7%
- Over $2M4%
Franchise brands in All Other Specialty Trade Contractors
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Everline Coatings and Services | 62 | $14.0M | |
| Servpro | 57 | $36.7M | |
| Superior Fence & Rail | 51 | $13.5M | |
| Paul Davis Restoration | 35 | $22.5M | |
| Top Rail Fence | 26 | $4.5M | |
| Budget Blinds | 23 | $16.8M | |
| ServiceMaster Clean | 11 | $4.3M | |
| 1-800-striper | 11 | $2.5M | |
| ServiceMaster | 9 | $5.2M | |
| The Brothers that just do Gutters | 9 | $1.3M |
Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.
Nearby
Other construction industries
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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