How Much Can Materials Recovery Facilities Businesses Get in SBA Loans?
405 SBA loans totaling $227.9M have been approved for materials recovery facilities businesses (NAICS 562920). The average approved SBA loan is $563K, which is 65% above avg the $340K national average. 186 active lenders fund this industry with a 10.8% default rate on the matured 2018-2021 loan cohort.
At 10.8%, Materials Recovery Facilities 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. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 562920 (Materials Recovery Facilities) received 405 SBA loans worth $227.9M across 5+ states. Average loan $563K, average term 146 months, 10.8% default rate (resolved-loan basis).186 active SBA-approved lenders fund this industry. Most materials recovery facilities loans use the SBA 504 program. There are approximately 1,434 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Materials Recovery Facilities?+117% growth
Which SBA Program Do Materials Recovery Facilities Businesses Use Most?
What Is the Best SBA Loan for Materials Recovery Facilities?
25% of materials recovery facilities loans use this program — ideal for real estate and major equipment purchases
Where Are Materials Recovery Facilities SBA Loans Most Common?
Top SBA Lenders for Materials Recovery Facilities
These banks have funded the most SBA loans for materials recovery facilities businesses (NAICS 562920). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 26 | $11.0M |
| 2 | U.S. Bank, National Association(OH) | 18 | $1.5M |
| 3 | The Huntington National Bank(OH) | 14 | $5.1M |
| 4 | Citizens Bank, National Association(RI) | 11 | $306K |
| 5 | Bank of America, National Association(NC) | 11 | $1.2M |
Materials Recovery Facilities Industry Context
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How Does SBA Lending Work for Materials Recovery Facilities Businesses?
Across all SBA loan programs, 405 loans have been approved for businesses classified under NAICS 562920 (Materials Recovery Facilities), representing $227.9M in total capital deployed. The average approved loan of $563K is 65% above avg the national SBA average of $340K, with typical repayment terms of 146 months.
SBA lending for materials recovery facilities is accelerating — loan volume has grown approximately 117% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2017.
Notably, 25% of SBA loans in this industry use the 504 program — well above the national average — indicating that materials recovery facilities 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 materials recovery facilities 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 — Materials Recovery Facilities SBA Loans
What is the average SBA loan size for materials recovery facilities businesses?
Which SBA loan program is best for a materials recovery facilities business?
How many lenders fund SBA loans for materials recovery facilities?
What states have the most SBA lending for materials recovery facilities?
How does PeerSense help materials recovery facilities businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Materials Recovery Facilities defined by NAICS code 562920. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.