How Much Can Nursery and Tree Production Businesses Get in SBA Loans?
661 SBA loans totaling $288.0M have been approved for nursery and tree production businesses (NAICS 111421). The average approved SBA loan is $436K, which is 28% above avg the $340K national average. 263 active lenders fund this industry with a 14.0% default rate on the matured 2018-2021 loan cohort.
At 14.0%, Nursery and Tree Production 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 111421 (Nursery and Tree Production) received 661 SBA loans worth $288.0M across 5+ states. Average loan $436K, average term 144 months, 14.0% default rate (resolved-loan basis).263 active SBA-approved lenders fund this industry. Most nursery and tree production loans use the SBA 7(a) program. There are approximately 23,332 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Nursery and Tree Production?+33% growth
Which SBA Program Do Nursery and Tree Production Businesses Use Most?
What Is the Best SBA Loan for Nursery and Tree Production?
The most widely used SBA program for nursery and tree production businesses — flexible terms, multiple use cases
Where Are Nursery and Tree Production SBA Loans Most Common?
Top SBA Lenders for Nursery and Tree Production
These banks have funded the most SBA loans for nursery and tree production businesses (NAICS 111421). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 39 | $15.7M |
| 2 | Wells Fargo Bank National Association(SD) | 27 | $6.1M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 18 | $5.4M |
| 4 | Columbia Bank(OR) | 14 | $1.5M |
| 5 | Citizens Bank, National Association(RI) | 12 | $3.2M |
Nursery and Tree Production Industry Context
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How Does SBA Lending Work for Nursery and Tree Production Businesses?
Across all SBA loan programs, 661 loans have been approved for businesses classified under NAICS 111421 (Nursery and Tree Production), representing $288.0M in total capital deployed. The average approved loan of $436K is 28% above avg the national SBA average of $340K, with typical repayment terms of 144 months.
SBA lending for nursery and tree production is accelerating — loan volume has grown approximately 33% 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 industry sees a balanced mix of SBA programs, with 11% 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 nursery and tree production 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 — Nursery and Tree Production SBA Loans
What is the average SBA loan size for nursery and tree production businesses?
Which SBA loan program is best for a nursery and tree production business?
How many lenders fund SBA loans for nursery and tree production?
What states have the most SBA lending for nursery and tree production?
How does PeerSense help nursery and tree production businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Nursery and Tree Production defined by NAICS code 111421. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.