How Much Can Highway, Street, and Bridge Construction Businesses Get in SBA Loans?
2,413 SBA loans totaling $954.6M have been approved for highway, street, and bridge construction businesses (NAICS 237310). The average approved SBA loan is $396K, which is 16% above avg the $340K national average. 545 active lenders fund this industry with a 9.4% default rate on the matured 2018-2021 loan cohort.
At 9.4%, Highway, Street, and Bridge Construction sits well below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — low 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 237310 (Highway, Street, and Bridge Construction) received 2,413 SBA loans worth $954.6M across 5+ states. Average loan $396K, average term 106 months, 9.4% default rate (resolved-loan basis).545 active SBA-approved lenders fund this industry. Most highway, street, and bridge construction loans use the SBA 7(a) program. There are approximately 9,202 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Highway, Street, and Bridge Construction?+51% growth
Which SBA Program Do Highway, Street, and Bridge Construction Businesses Use Most?
What Is the Best SBA Loan for Highway, Street, and Bridge Construction?
The most widely used SBA program for highway, street, and bridge construction businesses — flexible terms, multiple use cases
Where Are Highway, Street, and Bridge Construction SBA Loans Most Common?
Top SBA Lenders for Highway, Street, and Bridge Construction
These banks have funded the most SBA loans for highway, street, and bridge construction businesses (NAICS 237310). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 130 | $33.3M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 103 | $15.0M |
| 3 | U.S. Bank, National Association(OH) | 103 | $12.0M |
| 4 | Wells Fargo Bank National Association(SD) | 89 | $17.9M |
| 5 | Citizens Bank, National Association(RI) | 62 | $2.6M |
Highway, Street, and Bridge Construction Industry Context
Ready to Fund Your Highway, Street, and Bridge Construction Business?
PeerSense places SBA loans for highway, street, and bridge construction 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 Highway, Street, and Bridge Construction Businesses?
Across all SBA loan programs, 2,413 loans have been approved for businesses classified under NAICS 237310 (Highway, Street, and Bridge Construction), representing $954.6M in total capital deployed. The average approved loan of $396K is 16% above avg the national SBA average of $340K, with typical repayment terms of 106 months.
SBA lending for highway, street, and bridge construction is accelerating — loan volume has grown approximately 51% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2024.
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 highway, street, and bridge 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 — Highway, Street, and Bridge Construction SBA Loans
What is the average SBA loan size for highway, street, and bridge construction businesses?
Which SBA loan program is best for a highway, street, and bridge construction business?
How many lenders fund SBA loans for highway, street, and bridge construction?
What states have the most SBA lending for highway, street, and bridge construction?
How does PeerSense help highway, street, and bridge construction businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Highway, Street, and Bridge Construction defined by NAICS code 237310. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.