How Much Can Framing Contractors Businesses Get in SBA Loans?
1,175 SBA loans totaling $160.3M have been approved for framing contractors businesses (NAICS 238130). The average approved SBA loan is $136K, which is 60% below avg the $340K national average. 227 active lenders fund this industry with a 23.4% default rate on the matured 2018-2021 loan cohort.
At 23.4%, Framing 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 238130 (Framing Contractors) received 1,175 SBA loans worth $160.3M across 5+ states. Average loan $136K, average term 91 months, 23.4% default rate (resolved-loan basis).227 active SBA-approved lenders fund this industry. Most framing contractors loans use the SBA 7(a) program. There are approximately 12,524 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Framing Contractors?+34% growth
Which SBA Program Do Framing Contractors Businesses Use Most?
What Is the Best SBA Loan for Framing Contractors?
The most widely used SBA program for framing contractors businesses — flexible terms, multiple use cases
Where Are Framing Contractors SBA Loans Most Common?
Top SBA Lenders for Framing Contractors
These banks have funded the most SBA loans for framing contractors businesses (NAICS 238130). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | U.S. Bank, National Association(OH) | 139 | $5.8M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 129 | $10.1M |
| 3 | The Huntington National Bank(OH) | 75 | $6.1M |
| 4 | Wells Fargo Bank National Association(SD) | 66 | $4.0M |
| 5 | TD Bank, National Association(DE) | 47 | $4.0M |
Framing Contractors Industry Context
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How Does SBA Lending Work for Framing Contractors Businesses?
Across all SBA loan programs, 1,175 loans have been approved for businesses classified under NAICS 238130 (Framing Contractors), representing $160.3M in total capital deployed. The average approved loan of $136K is 60% below avg the national SBA average of $340K, with typical repayment terms of 91 months.
SBA lending for framing contractors is accelerating — loan volume has grown approximately 34% 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 overwhelming majority of SBA lending for framing contractors uses the 7(a) program, which provides the most flexibility — covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.
PeerSense specializes in matching framing 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 — Framing Contractors SBA Loans
What is the average SBA loan size for framing contractors businesses?
Which SBA loan program is best for a framing contractors business?
How many lenders fund SBA loans for framing contractors?
What states have the most SBA lending for framing contractors?
How does PeerSense help framing contractors businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Framing Contractors defined by NAICS code 238130. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.