What is the SBA loan default rate for New Housing Operative Builders?

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. The rate is measured on the resolved loans (paid in full or charged off), loans that have reached a final outcome. 139 lenders actively fund this industry.

Which SBA program is best for New Housing Operative Builders?

The SBA 7(a) program is the most commonly used for New Housing Operative Builders businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 236117Construction

How Much Can New Housing Operative Builders Businesses Get in SBA Loans?

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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.

Elevated default risk23.1% vs 15.4% all industry avg

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. The capital source prices this risk into rate and structure.

Quick Answer

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).

391

Total SBA Loans

$117.3M

Total Volume

$300K

Avg Loan Size

12% below avg

139

Active Lenders

99 mo

Avg Term

24% below avg

2,694

Jobs Supported

Is SBA Lending Growing for New Housing Operative Builders?-81% decline

$5.0M

$8.6M

$5.3M

$6.9M

$4.0M

$23.8M

$6.0M

$5.9M

$400K

Which SBA Program Do New Housing Operative Builders Businesses Use Most?

SBA 7(a)372 (95%)

SBA 50419 (5%)

What Is the Best SBA Loan for New Housing Operative Builders?

SBA 7(a)

The most widely used SBA program for new housing operative builders businesses: flexible terms, multiple use cases

Industry avg loan: $300K

Typical term: 99 months

Historical avg rate: 6.81%

139+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 23.1%

Where Are New Housing Operative Builders SBA Loans Most Common?

62 loans

$18.8M

27 loans

$17.1M

25 loans

$3.1M

21 loans

$16.7M

20 loans

$7.8M

SBA Lending Activity in New Housing Operative Builders

139 SBA lenders have funded 391 loans to new housing operative builders businesses (NAICS 236117). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.

Loans funded

391

Active lenders

139

Total volume

$117.3M

Avg loan size

$300K

Browse all SBA lenders

New Housing Operative Builders Industry Context

U.S. Establishments

12,612

U.S. Census Bureau · 2022

SBA Penetration

3.10%

SBA loans per establishment

Talk to PeerSense

PeerSense sources capital for new housing operative builders businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a New Housing Operative Builders business.

Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.

SBA 7(a) / 504: PeerSense will reach out. No obligation.

How big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

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Referral fee realized at closing · Or call (317) 452 6990

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.

Talk to PeerSense about a new housing operative builders file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: New Housing Operative Builders SBA Loans

What is the average SBA loan size for new housing operative builders businesses?

Based on 391 approved SBA loans, the average loan size for new housing operative builders (NAICS 236117) is $300K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a new housing operative builders business?

SBA 7(a) is the most commonly used SBA program for new housing operative builders businesses. The most widely used SBA program for new housing operative builders businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for new housing operative builders?

139 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a new housing operative builders file.

What states have the most SBA lending for new housing operative builders?

TX leads with 62 SBA loans and $18.8M in total volume for new housing operative builders businesses. CA, NY, FL also show strong lending activity in this sector.

How does PeerSense help new housing operative builders businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a new housing operative builders file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Construction Industries

All Other Specialty Trade Contractors

21,953 loans · N/A

Avg: $308K

Plumbing, Heating, and Air-Conditioning Contractors

20,555 loans · N/A

Avg: $289K

Residential Remodelers

20,213 loans · N/A

Avg: $126K

Electrical Contractors

15,119 loans · N/A

Avg: $248K

New Single-Family Housing Construction (except Operative Builders)

10,114 loans · N/A

Avg: $161K

Site Preparation Contractors

8,290 loans · N/A

Avg: $288K

Data aggregated from SBA loan records (1992 to 2025). New Housing Operative Builders defined by NAICS code 236117. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.