Which SBA program is best for All Other Specialty Trade Contractors?

The SBA 7(a) program is the most commonly used for All Other Specialty Trade Contractors businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 238990ConstructionLending Growing

How Much Can All Other Specialty Trade Contractors Businesses Get in SBA Loans?

Name: All Other Specialty Trade Contractors SBA Loan Performance Data (NAICS 238990)
Creator: PeerSense
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21,953 SBA loans totaling $6.8B have been approved for all other specialty trade contractors businesses (NAICS 238990). The average approved SBA loan is $308K, which is 10% below avg the $340K national average. 1296 active lenders fund this industry with a 16.1% default rate on the matured 2018-2021 loan cohort.

Above average default risk16.1% vs 15.4% all industry avg

At 16.1%, All Other Specialty Trade Contractors sits above the 15.4% all industry SBA default rate (charged off as a share of resolved loans), above average default risk relative to other SBA industries. The capital source prices this risk into rate and structure.

Quick Answer

NAICS 238990 (All Other Specialty Trade Contractors) received 21,953 SBA loans worth $6.8B across 5+ states. Average loan $308K, average term 118 months, 16.1% default rate (resolved loan basis).1296 active SBA approved lenders fund this industry. Most all other specialty trade contractors loans use the SBA 7(a) program. There are approximately 40,302 U.S. establishments in this industry (Census 2022).

21,953

Total SBA Loans

$6.8B

Total Volume

$308K

Avg Loan Size

10% below avg

1,296

Active Lenders

118 mo

Avg Term

9% below avg

210,176

Jobs Supported

Is SBA Lending Growing for All Other Specialty Trade Contractors?+32% growth

1,000

928

847

771

922

908

1,063

1,317

1,405

$281.9M

$303.5M

$313.5M

$287.2M

$352.7M

$556.5M

$487.5M

$504.3M

$627.9M

$708.4M

Which SBA Program Do All Other Specialty Trade Contractors Businesses Use Most?

SBA 7(a)19,828 (90%)

SBA 5042,126 (10%)

What Is the Best SBA Loan for All Other Specialty Trade Contractors?

SBA 7(a)

The most widely used SBA program for all other specialty trade contractors businesses: flexible terms, multiple use cases

Industry avg loan: $308K

Typical term: 118 months

Historical avg rate: 7.47%

1296+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 16.1%

Where Are All Other Specialty Trade Contractors SBA Loans Most Common?

2,569 loans

$1.1B

1,593 loans

$668.7M

1,497 loans

$264.7M

1,257 loans

$305.9M

1,109 loans

$388.3M

SBA Lending Activity in All Other Specialty Trade Contractors

1,296 SBA lenders have funded 21,953 loans to all other specialty trade contractors businesses (NAICS 238990). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.

Loans funded

21,953

Active lenders

1,296

Total volume

$6.8B

Avg loan size

$308K

Browse all SBA lenders

All Other Specialty Trade Contractors Industry Context

U.S. Establishments

40,302

U.S. Census Bureau · 2022

U.S. Employment

8,309,000

BLS · 2026

SBA Penetration

54.47%

SBA loans per establishment

Talk to PeerSense

PeerSense sources capital for all other specialty trade contractors businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a All Other Specialty Trade Contractors business.

Tell us your loan amount and use of funds. PeerSense sources capital. It is not the lender.

SBA 7(a) / 504: The desk will reach out. No obligation.

How big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

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Referral fee realized at closing · Or call (317) 452 6990

How Does SBA Lending Work for All Other Specialty Trade Contractors Businesses?

Across all SBA loan programs, 21,953 loans have been approved for businesses classified under NAICS 238990 (All Other Specialty Trade Contractors), representing $6.8B in total capital deployed. The average approved loan of $308K is 10% below avg the national SBA average of $340K, with typical repayment terms of 118 months.

SBA lending for all other specialty trade contractors is accelerating. Loan volume has grown approximately 32% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.

The industry sees a balanced mix of SBA programs, with 10% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.

Talk to PeerSense about a all other specialty trade contractors file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: All Other Specialty Trade Contractors SBA Loans

What is the average SBA loan size for all other specialty trade contractors businesses?

Based on 21,953 approved SBA loans, the average loan size for all other specialty trade contractors (NAICS 238990) is $308K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a all other specialty trade contractors business?

SBA 7(a) is the most commonly used SBA program for all other specialty trade contractors businesses. The most widely used SBA program for all other specialty trade contractors businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for all other specialty trade contractors?

1296 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a all other specialty trade contractors file.

What states have the most SBA lending for all other specialty trade contractors?

CA leads with 2,569 SBA loans and $1.1B in total volume for all other specialty trade contractors businesses. FL, OH, NY also show strong lending activity in this sector.

How does PeerSense help all other specialty trade contractors businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a all other specialty trade contractors file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

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Data aggregated from SBA loan records (1992 to 2025). All Other Specialty Trade Contractors defined by NAICS code 238990. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.