How Much Can Finish Carpentry Contractors Businesses Get in SBA Loans?
4,323 SBA loans totaling $787.4M have been approved for finish carpentry contractors businesses (NAICS 238350). The average approved SBA loan is $182K, which is 47% below avg the $340K national average. 528 active lenders fund this industry with a 21.2% default rate on the matured 2018-2021 loan cohort.
At 21.2%, Finish Carpentry Contractors sits well above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — elevated 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 238350 (Finish Carpentry Contractors) received 4,323 SBA loans worth $787.4M across 5+ states. Average loan $182K, average term 108 months, 21.2% default rate (resolved-loan basis).528 active SBA-approved lenders fund this industry. Most finish carpentry contractors loans use the SBA 7(a) program.
Is SBA Lending Growing for Finish Carpentry Contractors?+48% growth
Which SBA Program Do Finish Carpentry Contractors Businesses Use Most?
What Is the Best SBA Loan for Finish Carpentry Contractors?
The most widely used SBA program for finish carpentry contractors businesses — flexible terms, multiple use cases
Where Are Finish Carpentry Contractors SBA Loans Most Common?
Top SBA Lenders for Finish Carpentry Contractors
These banks have funded the most SBA loans for finish carpentry contractors businesses (NAICS 238350). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | U.S. Bank, National Association(OH) | 459 | $24.7M |
| 2 | The Huntington National Bank(OH) | 290 | $32.8M |
| 3 | TD Bank, National Association(DE) | 274 | $21.1M |
| 4 | JPMorgan Chase Bank, National Association(OH) | 220 | $21.7M |
| 5 | Wells Fargo Bank National Association(SD) | 212 | $34.9M |
Ready to Fund Your Finish Carpentry Contractors Business?
PeerSense places SBA loans for finish carpentry contractors 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 Finish Carpentry Contractors Businesses?
Across all SBA loan programs, 4,323 loans have been approved for businesses classified under NAICS 238350 (Finish Carpentry Contractors), representing $787.4M in total capital deployed. The average approved loan of $182K is 47% below avg the national SBA average of $340K, with typical repayment terms of 108 months.
SBA lending for finish carpentry contractors is accelerating — loan volume has grown approximately 48% 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 7% 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 finish carpentry 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 — Finish Carpentry Contractors SBA Loans
What is the average SBA loan size for finish carpentry contractors businesses?
Which SBA loan program is best for a finish carpentry contractors business?
How many lenders fund SBA loans for finish carpentry contractors?
What states have the most SBA lending for finish carpentry contractors?
How does PeerSense help finish carpentry contractors businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Finish Carpentry Contractors defined by NAICS code 238350. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.