How Much Can New Single-Family Housing Construction (except Operative Builders) Businesses Get in SBA Loans?
10,114 SBA loans totaling $1.6B have been approved for new single-family housing construction (except operative builders) businesses (NAICS 236115). The average approved SBA loan is $161K, which is 53% below avg the $340K national average. 736 active lenders fund this industry with a 24.9% default rate on the matured 2018-2021 loan cohort.
At 24.9%, New Single-Family Housing Construction (except 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.
NAICS 236115 (New Single-Family Housing Construction (except Operative Builders)) received 10,114 SBA loans worth $1.6B across 5+ states. Average loan $161K, average term 93 months, 24.9% default rate (resolved loan basis).736 active SBA approved lenders fund this industry. Most new single-family housing construction (except operative builders) loans use the SBA 7(a) program.
Is SBA Lending Growing for New Single-Family Housing Construction (except Operative Builders)?+133% growth
Which SBA Program Do New Single-Family Housing Construction (except Operative Builders) Businesses Use Most?
What Is the Best SBA Loan for New Single-Family Housing Construction (except Operative Builders)?
The most widely used SBA program for new single-family housing construction (except operative builders) businesses: flexible terms, multiple use cases
Where Are New Single-Family Housing Construction (except Operative Builders) SBA Loans Most Common?
SBA Lending Activity in New Single-Family Housing Construction (except Operative Builders)
736 SBA lenders have funded 10,114 loans to new single-family housing construction (except operative builders) businesses (NAICS 236115). 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.
New Single-Family Housing Construction (except Operative Builders) Industry Context
Talk to PeerSense
PeerSense sources capital for new single-family housing construction (except operative builders) businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Talk to PeerSense about financing a New Single-Family Housing Construction (except Operative Builders) business.
Tell us your loan amount and use of funds. PeerSense sources capital. It is not the lender.
SBA 7(a) / 504: The desk will reach out. No obligation.
How Does SBA Lending Work for New Single-Family Housing Construction (except Operative Builders) Businesses?
Across all SBA loan programs, 10,114 loans have been approved for businesses classified under NAICS 236115 (New Single-Family Housing Construction (except Operative Builders)), representing $1.6B in total capital deployed. The average approved loan of $161K is 53% below avg the national SBA average of $340K, with typical repayment terms of 93 months.
SBA lending for new single-family housing construction (except operative builders) is accelerating. Loan volume has grown approximately 133% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.
The overwhelming majority of SBA lending for new single-family housing construction (except 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 single-family housing construction (except operative builders) file. The capital source sets the terms. The desk fee is paid at closing, never upfront.
Frequently Asked Questions: New Single-Family Housing Construction (except Operative Builders) SBA Loans
What is the average SBA loan size for new single-family housing construction (except operative builders) businesses?
Which SBA loan program is best for a new single-family housing construction (except operative builders) business?
How many lenders fund SBA loans for new single-family housing construction (except operative builders)?
What states have the most SBA lending for new single-family housing construction (except operative builders)?
How does PeerSense help new single-family housing construction (except operative builders) businesses get SBA loans?
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Data aggregated from SBA loan records (1992 to 2025). New Single-Family Housing Construction (except Operative Builders) defined by NAICS code 236115. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.