How Much Can New Housing Operative Builders Businesses Get in SBA Loans?
391 SBA loans totaling $117.3M have been approved for new housing operative builders businesses (NAICS 236117). The average approved SBA loan is $300K, which is 12% below avg the $340K national average. 139 active lenders fund this industry with a 23.1% default rate on the matured 2018-2021 loan cohort.
At 23.1%, New Housing Operative Builders 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 236117 (New Housing Operative Builders) received 391 SBA loans worth $117.3M across 5+ states. Average loan $300K, average term 99 months, 23.1% default rate (resolved-loan basis).139 active SBA-approved lenders fund this industry. Most new housing operative builders loans use the SBA 7(a) program. There are approximately 12,612 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for New Housing Operative Builders?-81% decline
Which SBA Program Do New Housing Operative Builders Businesses Use Most?
What Is the Best SBA Loan for New Housing Operative Builders?
The most widely used SBA program for new housing operative builders businesses — flexible terms, multiple use cases
Where Are New Housing Operative Builders SBA Loans Most Common?
Top SBA Lenders for New Housing Operative Builders
These banks have funded the most SBA loans for new housing operative builders businesses (NAICS 236117). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 27 | $936K |
| 2 | U.S. Bank, National Association(OH) | 23 | $2.7M |
| 3 | PNC Bank, National Association(DE) | 23 | $660K |
| 4 | Wells Fargo Bank National Association(SD) | 21 | $3.9M |
| 5 | First National Bank and Trust Company of Weatherford d/b/a F(TX) | 20 | $10.6M |
New Housing Operative Builders Industry Context
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PeerSense places SBA loans for new housing operative builders 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 New Housing Operative Builders Businesses?
Across all SBA loan programs, 391 loans have been approved for businesses classified under NAICS 236117 (New Housing Operative Builders), representing $117.3M in total capital deployed. The average approved loan of $300K is 12% below avg the national SBA average of $340K, with typical repayment terms of 99 months.
SBA lending for new housing operative builders has contracted approximately 81% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 139 lenders remain active, maintaining competitive options for qualified borrowers.
The overwhelming majority of SBA lending for new housing operative builders uses the 7(a) program, which provides the most flexibility — covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.
PeerSense specializes in matching new housing operative builders 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 — New Housing Operative Builders SBA Loans
What is the average SBA loan size for new housing operative builders businesses?
Which SBA loan program is best for a new housing operative builders business?
How many lenders fund SBA loans for new housing operative builders?
What states have the most SBA lending for new housing operative builders?
How does PeerSense help new housing operative builders businesses get SBA loans?
Related Construction Industries
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Residential Remodelers
Electrical Contractors
New Single-Family Housing Construction (except Operative Builders)
Site Preparation Contractors
Data aggregated from SBA loan records (1992–2025). New Housing Operative Builders defined by NAICS code 236117. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.