How Much Can Natural Gas Distribution Businesses Get in SBA Loans?
242 SBA loans totaling $92.1M have been approved for natural gas distribution businesses (NAICS 221210). The average approved SBA loan is $380K, which is 12% above avg the $340K national average. 123 active lenders fund this industry with a 10.1% default rate on the matured 2018-2021 loan cohort.
At 10.1%, Natural Gas Distribution 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 221210 (Natural Gas Distribution) received 242 SBA loans worth $92.1M across 5+ states. Average loan $380K, average term 120 months, 10.1% default rate (resolved-loan basis).123 active SBA-approved lenders fund this industry. Most natural gas distribution loans use the SBA 7(a) program. There are approximately 2,420 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Natural Gas Distribution?+100% growth
Which SBA Program Do Natural Gas Distribution Businesses Use Most?
What Is the Best SBA Loan for Natural Gas Distribution?
The most widely used SBA program for natural gas distribution businesses — flexible terms, multiple use cases
Where Are Natural Gas Distribution SBA Loans Most Common?
Top SBA Lenders for Natural Gas Distribution
These banks have funded the most SBA loans for natural gas distribution businesses (NAICS 221210). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association(OH) | 16 | $3.1M |
| 2 | Wells Fargo Bank National Association(SD) | 16 | $5.2M |
| 3 | U.S. Bank, National Association(OH) | 15 | $6.0M |
| 4 | PNC Bank, National Association(DE) | 8 | $1.5M |
| 5 | Bank of America, National Association(NC) | 7 | $1.3M |
Natural Gas Distribution Industry Context
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How Does SBA Lending Work for Natural Gas Distribution Businesses?
Across all SBA loan programs, 242 loans have been approved for businesses classified under NAICS 221210 (Natural Gas Distribution), representing $92.1M in total capital deployed. The average approved loan of $380K is 12% above avg the national SBA average of $340K, with typical repayment terms of 120 months.
SBA lending for natural gas distribution is accelerating — loan volume has grown approximately 100% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2018.
The industry sees a balanced mix of SBA programs, with 8% 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 natural gas distribution 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 — Natural Gas Distribution SBA Loans
What is the average SBA loan size for natural gas distribution businesses?
Which SBA loan program is best for a natural gas distribution business?
How many lenders fund SBA loans for natural gas distribution?
What states have the most SBA lending for natural gas distribution?
How does PeerSense help natural gas distribution businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Natural Gas Distribution defined by NAICS code 221210. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.