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 9.0% historical default rate.
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, default rate 9.0%.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).
Is SBA Lending Growing for Commercial and Institutional Building Construction?+47% growth
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 236220). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | U.S. Bank, National Association(OH) | 570 | $65.7M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 527 | $100.2M |
| 3 | Wells Fargo Bank National Association(SD) | 419 | $96.4M |
| 4 | Manufacturers and Traders Trust Company(NY) | 359 | $48.3M |
| 5 | The Huntington National Bank(OH) | 334 | $76.7M |
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.
Retainers
Down with SBA 7(a)
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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.
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 236220. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.