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NAICS 236220ConstructionLending Growing

How Much Can Commercial and Institutional Building Construction Businesses Get in SBA Loans?

8,203 SBA loans totaling $2.5B have been approved for commercial and institutional building construction businesses (NAICS 236220). The average approved SBA loan is $309K, which is 9% below avg the $340K national average. 858 active lenders fund this industry with a 14.7% default rate on the matured 2018-2021 loan cohort.

Moderate default risk14.7% vs 15.4% all industry avg

At 14.7%, 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. The capital source prices this risk into rate and structure.

Quick Answer

NAICS 236220 (Commercial and Institutional Building Construction) received 8,203 SBA loans worth $2.5B across 5+ states. Average loan $309K, average term 115 months, 14.7% default rate (resolved loan basis).858 active SBA approved lenders fund this industry. Most commercial and institutional building construction loans use the SBA 7(a) program. There are approximately 39,005 U.S. establishments in this industry (Census 2022).

8,203
Total SBA Loans
$2.5B
Total Volume
$309K
Avg Loan Size
9% below avg
858
Active Lenders
115 mo
Avg Term
12% below avg
87,876
Jobs Supported

Is SBA Lending Growing for Commercial and Institutional Building Construction?+47% growth

393
448
426
350
295
331
324
394
466
580
16
17
18
19
20
21
22
23
24
25
$110.9M
$122.1M
$124.1M
$112.7M
$124.4M
$201.7M
$159.3M
$160.9M
$177.7M
$277.9M

Which SBA Program Do Commercial and Institutional Building Construction Businesses Use Most?

SBA 7(a)7,427 (91%)
SBA 504777 (9%)

What Is the Best SBA Loan for Commercial and Institutional Building Construction?

SBA 7(a)

The most widely used SBA program for commercial and institutional building construction businesses: flexible terms, multiple use cases

Industry avg loan: $309K
Typical term: 115 months
Historical avg rate: 7.64%
858+ lenders active in this industry
Default rate (2018 to 21 matured cohort): 14.7%

Where Are Commercial and Institutional Building Construction SBA Loans Most Common?

#1
CA
1,202 loans
$539.1M
#2
TX
676 loans
$208.8M
#3
NY
645 loans
$166.2M
#4
FL
453 loans
$138.6M
#5
OH
382 loans
$86.2M

SBA Lending Activity in Commercial and Institutional Building Construction

858 SBA lenders have funded 8,203 loans to commercial and institutional building construction businesses (NAICS 236220). 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
8,203
Active lenders
858
Total volume
$2.5B
Avg loan size
$309K
Browse all SBA lenders

Commercial and Institutional Building Construction Industry Context

U.S. Establishments
39,005
U.S. Census Bureau · 2022
U.S. Employment
8,309,000
BLS · 2026
SBA Penetration
21.03%
SBA loans per establishment

Talk to PeerSense

PeerSense sources capital for commercial and institutional building construction businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

$0

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Commercial and Institutional Building Construction 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

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

How Does SBA Lending Work for Commercial and Institutional Building Construction Businesses?

Across all SBA loan programs, 8,203 loans have been approved for businesses classified under NAICS 236220 (Commercial and Institutional Building Construction), representing $2.5B in total capital deployed. The average approved loan of $309K is 9% below avg the national SBA average of $340K, with typical repayment terms of 115 months.

SBA lending for commercial and institutional building construction is accelerating. Loan volume has grown approximately 47% 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 9% 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 commercial and institutional building construction file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: Commercial and Institutional Building Construction SBA Loans

What is the average SBA loan size for commercial and institutional building construction businesses?
Based on 8,203 approved SBA loans, the average loan size for commercial and institutional building construction (NAICS 236220) is $309K. This compares to the national SBA average of $340K across all industries.
Which SBA loan program is best for a commercial and institutional building construction business?
SBA 7(a) is the most commonly used SBA program for commercial and institutional building construction businesses. The most widely used SBA program for commercial and institutional building construction businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.
How many lenders fund SBA loans for commercial and institutional building construction?
858 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 commercial and institutional building construction file.
What states have the most SBA lending for commercial and institutional building construction?
CA leads with 1,202 SBA loans and $539.1M in total volume for commercial and institutional building construction businesses. TX, NY, FL also show strong lending activity in this sector.
How does PeerSense help commercial and institutional building construction businesses get SBA loans?
PeerSense is a capital advisory firm. Talk to PeerSense about a commercial and institutional building construction file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Construction Industries

All Other Specialty Trade Contractors

21,953 loans · N/A
Avg: $308K

Plumbing, Heating, and Air-Conditioning Contractors

20,555 loans · N/A
Avg: $289K

Residential Remodelers

20,213 loans · N/A
Avg: $126K

Electrical Contractors

15,119 loans · N/A
Avg: $248K

New Single-Family Housing Construction (except Operative Builders)

10,114 loans · N/A
Avg: $161K

Site Preparation Contractors

8,290 loans · N/A
Avg: $288K

Data aggregated from SBA loan records (1992 to 2025). Commercial and Institutional Building Construction defined by NAICS code 236220. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.