How Much Can Masonry and Stone Contractors Businesses Get in SBA Loans?
806 SBA loans totaling $136.6M have been approved for masonry and stone contractors businesses (NAICS 235410). The average approved SBA loan is $170K, which is 50% below avg the $340K national average. 218 active lenders fund this industry with a 10.3% default rate on the matured 2018-2021 loan cohort.
At 10.3%, Masonry and Stone Contractors 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 235410 (Masonry and Stone Contractors) received 806 SBA loans worth $136.6M across 5+ states. Average loan $170K, average term 112 months, 10.3% default rate (resolved-loan basis).218 active SBA-approved lenders fund this industry. Most masonry and stone contractors loans use the SBA 7(a) program. There are approximately 800,651 U.S. establishments in this industry (Census 2022).
Which SBA Program Do Masonry and Stone Contractors Businesses Use Most?
What Is the Best SBA Loan for Masonry and Stone Contractors?
The most widely used SBA program for masonry and stone contractors businesses — flexible terms, multiple use cases
Where Are Masonry and Stone Contractors SBA Loans Most Common?
Top SBA Lenders for Masonry and Stone Contractors
These banks have funded the most SBA loans for masonry and stone contractors businesses (NAICS 235410). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 95 | $6.2M |
| 2 | U.S. Bank, National Association(OH) | 49 | $12.7M |
| 3 | Wells Fargo Bank National Association(SD) | 48 | $8.4M |
| 4 | JPMorgan Chase Bank, National Association(OH) | 39 | $4.9M |
| 5 | Citizens Bank, National Association(RI) | 27 | $1.4M |
Masonry and Stone Contractors Industry Context
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How Does SBA Lending Work for Masonry and Stone Contractors Businesses?
Across all SBA loan programs, 806 loans have been approved for businesses classified under NAICS 235410 (Masonry and Stone Contractors), representing $136.6M in total capital deployed. The average approved loan of $170K is 50% below avg the national SBA average of $340K, with typical repayment terms of 112 months.
SBA lending for masonry and stone contractors has remained relatively stable across recent fiscal years. 218 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
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 masonry and stone 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 — Masonry and Stone Contractors SBA Loans
What is the average SBA loan size for masonry and stone contractors businesses?
Which SBA loan program is best for a masonry and stone contractors business?
How many lenders fund SBA loans for masonry and stone contractors?
What states have the most SBA lending for masonry and stone contractors?
How does PeerSense help masonry and stone contractors businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Masonry and Stone Contractors defined by NAICS code 235410. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.