What is the SBA loan default rate for Industrial Building Construction?

At 14.2%, Industrial Building Construction 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. The rate is measured on the resolved loans (paid in full or charged off), loans that have reached a final outcome. 403 lenders actively fund this industry.

Which SBA program is best for Industrial Building Construction?

The SBA 7(a) program is the most commonly used for Industrial Building Construction businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 236210ConstructionLending Growing

How Much Can Industrial Building Construction Businesses Get in SBA Loans?

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1,655 SBA loans totaling $649.9M have been approved for industrial building construction businesses (NAICS 236210). The average approved SBA loan is $393K, which is 15% above avg the $340K national average. 403 active lenders fund this industry with a 14.2% default rate on the matured 2018-2021 loan cohort.

Moderate default risk14.2% vs 15.4% all industry avg

At 14.2%, Industrial Building Construction 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. The capital source prices this risk into rate and structure.

Quick Answer

NAICS 236210 (Industrial Building Construction) received 1,655 SBA loans worth $649.9M across 5+ states. Average loan $393K, average term 126 months, 14.2% default rate (resolved loan basis).403 active SBA approved lenders fund this industry. Most industrial building construction loans use the SBA 7(a) program.

1,655

Total SBA Loans

$649.9M

Total Volume

$393K

Avg Loan Size

15% above avg

403

Active Lenders

126 mo

Avg Term

3% below avg

21,836

Jobs Supported

Is SBA Lending Growing for Industrial Building Construction?+116% growth

105

121

$22.2M

$17.1M

$41.1M

$24.8M

$22.8M

$61.3M

$51.8M

$54.6M

$57.3M

$53.9M

Which SBA Program Do Industrial Building Construction Businesses Use Most?

SBA 7(a)1,414 (85%)

SBA 504241 (15%)

What Is the Best SBA Loan for Industrial Building Construction?

SBA 7(a)

The most widely used SBA program for industrial building construction businesses: flexible terms, multiple use cases

Industry avg loan: $393K

Typical term: 126 months

Historical avg rate: 7.51%

403+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 14.2%

Where Are Industrial Building Construction SBA Loans Most Common?

275 loans

$143.6M

120 loans

$42.6M

104 loans

$33.2M

68 loans

$18.9M

62 loans

$23.8M

SBA Lending Activity in Industrial Building Construction

403 SBA lenders have funded 1,655 loans to industrial building construction businesses (NAICS 236210). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.

Loans funded

1,655

Active lenders

403

Total volume

$649.9M

Avg loan size

$393K

Browse all SBA lenders

Talk to PeerSense

PeerSense sources capital for industrial building construction businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Industrial Building Construction business.

Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.

SBA 7(a) / 504: PeerSense will reach out. No obligation.

How big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

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Referral fee realized at closing · Or call (317) 452 6990

How Does SBA Lending Work for Industrial Building Construction Businesses?

Across all SBA loan programs, 1,655 loans have been approved for businesses classified under NAICS 236210 (Industrial Building Construction), representing $649.9M in total capital deployed. The average approved loan of $393K is 15% above avg the national SBA average of $340K, with typical repayment terms of 126 months.

SBA lending for industrial building construction is accelerating. Loan volume has grown approximately 116% 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 15% 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.

Talk to PeerSense about a industrial building construction file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: Industrial Building Construction SBA Loans

What is the average SBA loan size for industrial building construction businesses?

Based on 1,655 approved SBA loans, the average loan size for industrial building construction (NAICS 236210) is $393K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a industrial building construction business?

SBA 7(a) is the most commonly used SBA program for industrial building construction businesses. The most widely used SBA program for industrial building construction businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for industrial building construction?

403 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a industrial building construction file.

What states have the most SBA lending for industrial building construction?

CA leads with 275 SBA loans and $143.6M in total volume for industrial building construction businesses. TX, NY, OH also show strong lending activity in this sector.

How does PeerSense help industrial building construction businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a industrial building construction file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Construction Industries

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Avg: $308K

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Avg: $289K

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20,213 loans · N/A

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New Single-Family Housing Construction (except Operative Builders)

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Site Preparation Contractors

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Avg: $288K

Data aggregated from SBA loan records (1992 to 2025). Industrial Building Construction defined by NAICS code 236210. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.