How Much Can Golf Courses and Country Clubs Businesses Get in SBA Loans?
1,889 SBA loans totaling $1.4B have been approved for golf courses and country clubs businesses (NAICS 713910). The average approved SBA loan is $715K, which is 110% above avg the $340K national average. 515 active lenders fund this industry with a 16.3% default rate on the matured 2018-2021 loan cohort.
At 16.3%, Golf Courses and Country Clubs sits above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — above average 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 713910 (Golf Courses and Country Clubs) received 1,889 SBA loans worth $1.4B across 5+ states. Average loan $715K, average term 193 months, 16.3% default rate (resolved-loan basis).515 active SBA-approved lenders fund this industry. Most golf courses and country clubs loans use the SBA 504 program. There are approximately 10,076 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Golf Courses and Country Clubs?+27% growth
Which SBA Program Do Golf Courses and Country Clubs Businesses Use Most?
What Is the Best SBA Loan for Golf Courses and Country Clubs?
26% of golf courses and country clubs loans use this program — ideal for real estate and major equipment purchases
Where Are Golf Courses and Country Clubs SBA Loans Most Common?
Top SBA Lenders for Golf Courses and Country Clubs
These banks have funded the most SBA loans for golf courses and country clubs businesses (NAICS 713910). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 149 | $71.1M |
| 2 | WBD, Inc.(WI) | 47 | $35.7M |
| 3 | U.S. Bank, National Association(OH) | 47 | $24.8M |
| 4 | Manufacturers and Traders Trust Company(NY) | 39 | $8.9M |
| 5 | Wells Fargo Bank National Association(SD) | 38 | $21.0M |
Golf Courses and Country Clubs Industry Context
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How Does SBA Lending Work for Golf Courses and Country Clubs Businesses?
Across all SBA loan programs, 1,889 loans have been approved for businesses classified under NAICS 713910 (Golf Courses and Country Clubs), representing $1.4B in total capital deployed. The average approved loan of $715K is 110% above avg the national SBA average of $340K, with typical repayment terms of 193 months.
SBA lending for golf courses and country clubs is accelerating — loan volume has grown approximately 27% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.
Notably, 26% of SBA loans in this industry use the 504 program — well above the national average — indicating that golf courses and country clubs businesses frequently finance major fixed assets like real estate, heavy equipment, or facility buildouts. The 504 program offers up to $5.5M with below-market fixed rates and only 10% down from the borrower.
PeerSense specializes in matching golf courses and country clubs 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 — Golf Courses and Country Clubs SBA Loans
What is the average SBA loan size for golf courses and country clubs businesses?
Which SBA loan program is best for a golf courses and country clubs business?
How many lenders fund SBA loans for golf courses and country clubs?
What states have the most SBA lending for golf courses and country clubs?
How does PeerSense help golf courses and country clubs businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Golf Courses and Country Clubs defined by NAICS code 713910. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.