How Much Can Land Subdivision Businesses Get in SBA Loans?
139 SBA loans totaling $38.0M have been approved for land subdivision businesses (NAICS 237210). The average approved SBA loan is $273K, which is 20% below avg the $340K national average. 71 active lenders fund this industry with a 22.6% default rate on the matured 2018-2021 loan cohort.
At 22.6%, Land Subdivision 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 237210 (Land Subdivision) received 139 SBA loans worth $38.0M across 5+ states. Average loan $273K, average term 106 months, 22.6% default rate (resolved-loan basis).71 active SBA-approved lenders fund this industry. Most land subdivision loans use the SBA 7(a) program. There are approximately 4,618 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Land Subdivision?-62% decline
Which SBA Program Do Land Subdivision Businesses Use Most?
What Is the Best SBA Loan for Land Subdivision?
The most widely used SBA program for land subdivision businesses — flexible terms, multiple use cases
Where Are Land Subdivision SBA Loans Most Common?
Top SBA Lenders for Land Subdivision
These banks have funded the most SBA loans for land subdivision businesses (NAICS 237210). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | U.S. Bank, National Association(OH) | 22 | $1.7M |
| 2 | Zions Bank, A Division of(UT) | 9 | $1.2M |
| 3 | PNC Bank, National Association(DE) | 7 | $327K |
| 4 | Wells Fargo Bank National Association(SD) | 6 | $325K |
| 5 | BancFirst(OK) | 4 | $3.0M |
Land Subdivision Industry Context
Ready to Fund Your Land Subdivision Business?
PeerSense places SBA loans for land subdivision 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 Land Subdivision Businesses?
Across all SBA loan programs, 139 loans have been approved for businesses classified under NAICS 237210 (Land Subdivision), representing $38.0M in total capital deployed. The average approved loan of $273K is 20% below avg the national SBA average of $340K, with typical repayment terms of 106 months.
SBA lending for land subdivision has contracted approximately 62% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 71 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 6% 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 land subdivision 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 — Land Subdivision SBA Loans
What is the average SBA loan size for land subdivision businesses?
Which SBA loan program is best for a land subdivision business?
How many lenders fund SBA loans for land subdivision?
What states have the most SBA lending for land subdivision?
How does PeerSense help land subdivision businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Land Subdivision defined by NAICS code 237210. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.