How Much Can Concrete Contractors Businesses Get in SBA Loans?
603 SBA loans totaling $120.8M have been approved for concrete contractors businesses (NAICS 235710). The average approved SBA loan is $200K, which is 41% below avg the $340K national average. 214 active lenders fund this industry with a 13.1% default rate on the matured 2018-2021 loan cohort.
At 13.1%, Concrete Contractors 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 235710 (Concrete Contractors) received 603 SBA loans worth $120.8M across 5+ states. Average loan $200K, average term 112 months, 13.1% default rate (resolved-loan basis).214 active SBA-approved lenders fund this industry. Most concrete contractors loans use the SBA 7(a) program. There are approximately 800,651 U.S. establishments in this industry (Census 2022).
Which SBA Program Do Concrete Contractors Businesses Use Most?
What Is the Best SBA Loan for Concrete Contractors?
The most widely used SBA program for concrete contractors businesses — flexible terms, multiple use cases
Where Are Concrete Contractors SBA Loans Most Common?
Top SBA Lenders for Concrete Contractors
These banks have funded the most SBA loans for concrete contractors businesses (NAICS 235710). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 50 | $9.6M |
| 2 | Bank of America, National Association(NC) | 33 | $1.5M |
| 3 | U.S. Bank, National Association(OH) | 23 | $5.5M |
| 4 | PNC Bank, National Association(DE) | 19 | $2.3M |
| 5 | Zions Bank, A Division of(UT) | 18 | $3.0M |
Concrete Contractors Industry Context
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How Does SBA Lending Work for Concrete Contractors Businesses?
Across all SBA loan programs, 603 loans have been approved for businesses classified under NAICS 235710 (Concrete Contractors), representing $120.8M in total capital deployed. The average approved loan of $200K is 41% below avg the national SBA average of $340K, with typical repayment terms of 112 months.
SBA lending for concrete contractors has remained relatively stable across recent fiscal years. 214 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 12% 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 concrete contractors 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 — Concrete Contractors SBA Loans
What is the average SBA loan size for concrete contractors businesses?
Which SBA loan program is best for a concrete contractors business?
How many lenders fund SBA loans for concrete contractors?
What states have the most SBA lending for concrete contractors?
How does PeerSense help concrete contractors businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Concrete Contractors defined by NAICS code 235710. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.