How Much Can Bridge and Tunnel Construction Businesses Get in SBA Loans?
203 SBA loans totaling $43.9M have been approved for bridge and tunnel construction businesses (NAICS 234120). The average approved SBA loan is $216K, which is 36% below avg the $340K national average. 102 active lenders fund this industry with a 13.2% default rate on the matured 2018-2021 loan cohort.
At 13.2%, Bridge and Tunnel Construction sits below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — moderate default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 234120 (Bridge and Tunnel Construction) received 203 SBA loans worth $43.9M across 5+ states. Average loan $216K, average term 87 months, 13.2% default rate (resolved-loan basis).102 active SBA-approved lenders fund this industry. Most bridge and tunnel construction loans use the SBA 7(a) program. There are approximately 800,651 U.S. establishments in this industry (Census 2022).
Which SBA Program Do Bridge and Tunnel Construction Businesses Use Most?
What Is the Best SBA Loan for Bridge and Tunnel Construction?
The most widely used SBA program for bridge and tunnel construction businesses — flexible terms, multiple use cases
Where Are Bridge and Tunnel Construction SBA Loans Most Common?
Top SBA Lenders for Bridge and Tunnel Construction
These banks have funded the most SBA loans for bridge and tunnel construction businesses (NAICS 234120). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 15 | $2.8M |
| 2 | Northeast Bank(ME) | 9 | $5.5M |
| 3 | First Citizens Bank of Billings(MT) | 7 | $2.2M |
| 4 | Bank of America, National Association(NC) | 7 | $1.0M |
| 5 | JPMorgan Chase Bank, National Association(OH) | 6 | $379K |
Bridge and Tunnel Construction Industry Context
Ready to Fund Your Bridge and Tunnel Construction Business?
PeerSense places SBA loans for bridge and tunnel construction businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
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How Does SBA Lending Work for Bridge and Tunnel Construction Businesses?
Across all SBA loan programs, 203 loans have been approved for businesses classified under NAICS 234120 (Bridge and Tunnel Construction), representing $43.9M in total capital deployed. The average approved loan of $216K is 36% below avg the national SBA average of $340K, with typical repayment terms of 87 months.
SBA lending for bridge and tunnel construction has remained relatively stable across recent fiscal years. 102 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The overwhelming majority of SBA lending for bridge and tunnel construction uses the 7(a) program, which provides the most flexibility — covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.
PeerSense specializes in matching bridge and tunnel construction business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Bridge and Tunnel Construction SBA Loans
What is the average SBA loan size for bridge and tunnel construction businesses?
Which SBA loan program is best for a bridge and tunnel construction business?
How many lenders fund SBA loans for bridge and tunnel construction?
What states have the most SBA lending for bridge and tunnel construction?
How does PeerSense help bridge and tunnel construction businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Bridge and Tunnel Construction defined by NAICS code 234120. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.