How Much Can Commercial and Institutional Building Construction Businesses Get in SBA Loans?
1,970 SBA loans totaling $449.1M have been approved for commercial and institutional building construction businesses (NAICS 233320). The average approved SBA loan is $228K, which is 33% below avg the $340K national average. 424 active lenders fund this industry with a 15.2% default rate on the matured 2018-2021 loan cohort.
At 15.2%, Commercial and Institutional Building 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 233320 (Commercial and Institutional Building Construction) received 1,970 SBA loans worth $449.1M across 5+ states. Average loan $228K, average term 111 months, 15.2% default rate (resolved-loan basis).424 active SBA-approved lenders fund this industry. Most commercial and institutional building 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 Commercial and Institutional Building Construction Businesses Use Most?
What Is the Best SBA Loan for Commercial and Institutional Building Construction?
The most widely used SBA program for commercial and institutional building construction businesses — flexible terms, multiple use cases
Where Are Commercial and Institutional Building Construction SBA Loans Most Common?
Top SBA Lenders for Commercial and Institutional Building Construction
These banks have funded the most SBA loans for commercial and institutional building construction businesses (NAICS 233320). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association(OH) | 126 | $11.5M |
| 2 | Bank of America, National Association(NC) | 118 | $14.5M |
| 3 | Wells Fargo Bank National Association(SD) | 115 | $25.4M |
| 4 | Bank of Hope(CA) | 108 | $6.5M |
| 5 | U.S. Bank, National Association(OH) | 71 | $23.4M |
Commercial and Institutional Building Construction Industry Context
Ready to Fund Your Commercial and Institutional Building Construction Business?
PeerSense places SBA loans for commercial and institutional building 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 Commercial and Institutional Building Construction Businesses?
Across all SBA loan programs, 1,970 loans have been approved for businesses classified under NAICS 233320 (Commercial and Institutional Building Construction), representing $449.1M in total capital deployed. The average approved loan of $228K is 33% below avg the national SBA average of $340K, with typical repayment terms of 111 months.
SBA lending for commercial and institutional building construction has remained relatively stable across recent fiscal years. 424 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The industry sees a balanced mix of SBA programs, with 11% 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.
PeerSense specializes in matching commercial and institutional building 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 — Commercial and Institutional Building Construction SBA Loans
What is the average SBA loan size for commercial and institutional building construction businesses?
Which SBA loan program is best for a commercial and institutional building construction business?
How many lenders fund SBA loans for commercial and institutional building construction?
What states have the most SBA lending for commercial and institutional building construction?
How does PeerSense help commercial and institutional building construction businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Commercial and Institutional Building Construction defined by NAICS code 233320. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.