What is the SBA loan default rate for Real Estate Credit?

At 34.2%, Real Estate Credit 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. 111 lenders actively fund this industry.

Which SBA program is best for Real Estate Credit?

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

NAICS 522292Finance & Insurance

How Much Can Real Estate Credit Businesses Get in SBA Loans?

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295 SBA loans totaling $110.1M have been approved for real estate credit businesses (NAICS 522292). The average approved SBA loan is $373K, which is 10% above avg the $340K national average. 111 active lenders fund this industry with a 34.2% default rate on the matured 2018-2021 loan cohort.

Elevated default risk34.2% vs 15.4% all industry avg

At 34.2%, Real Estate Credit 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 522292 (Real Estate Credit) received 295 SBA loans worth $110.1M across 5+ states. Average loan $373K, average term 163 months, 34.2% default rate (resolved loan basis).111 active SBA approved lenders fund this industry. Most real estate credit loans use the SBA 7(a) program. There are approximately 18,589 U.S. establishments in this industry (Census 2022).

295

Total SBA Loans

$110.1M

Total Volume

$373K

Avg Loan Size

10% above avg

111

Active Lenders

163 mo

Avg Term

25% above avg

4,281

Jobs Supported

Is SBA Lending Growing for Real Estate Credit?-56% decline

$7.3M

$6.8M

$7.7M

$3.8M

$1.2M

$5.8M

$4.4M

$3.1M

Which SBA Program Do Real Estate Credit Businesses Use Most?

SBA 7(a)205 (69%)

SBA 50491 (31%)

What Is the Best SBA Loan for Real Estate Credit?

SBA 7(a)

The most widely used SBA program for real estate credit businesses: flexible terms, multiple use cases

Industry avg loan: $373K

Typical term: 163 months

Historical avg rate: 6.34%

111+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 34.2%

Where Are Real Estate Credit SBA Loans Most Common?

66 loans

$42.6M

23 loans

$6.9M

18 loans

$2.3M

18 loans

$8.0M

17 loans

$4.6M

SBA Lending Activity in Real Estate Credit

111 SBA lenders have funded 295 loans to real estate credit businesses (NAICS 522292). 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

295

Active lenders

111

Total volume

$110.1M

Avg loan size

$373K

Browse all SBA lenders

Real Estate Credit Industry Context

U.S. Establishments

18,589

U.S. Census Bureau · 2022

U.S. Employment

9,166,000

BLS · 2026

SBA Penetration

1.59%

SBA loans per establishment

Talk to PeerSense

PeerSense sources capital for real estate credit 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 Real Estate Credit 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 Real Estate Credit Businesses?

Across all SBA loan programs, 295 loans have been approved for businesses classified under NAICS 522292 (Real Estate Credit), representing $110.1M in total capital deployed. The average approved loan of $373K is 10% above avg the national SBA average of $340K, with typical repayment terms of 163 months.

SBA lending for real estate credit has contracted approximately 56% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 111 lenders remain active, maintaining competitive options for qualified borrowers.

Notably, 31% of SBA loans in this industry use the 504 program (well above the national average), indicating that real estate credit businesses frequently finance major fixed assets like real estate, heavy equipment, or facility buildouts. The 504 program offers up to $5.5M with below market fixed rates and only 10% down from the borrower.

Talk to PeerSense about a real estate credit file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: Real Estate Credit SBA Loans

What is the average SBA loan size for real estate credit businesses?

Based on 295 approved SBA loans, the average loan size for real estate credit (NAICS 522292) is $373K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a real estate credit business?

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

How many lenders fund SBA loans for real estate credit?

111 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 real estate credit file.

What states have the most SBA lending for real estate credit?

CA leads with 66 SBA loans and $42.6M in total volume for real estate credit businesses. FL, IL, MN also show strong lending activity in this sector.

How does PeerSense help real estate credit businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a real estate credit file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

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Data aggregated from SBA loan records (1992 to 2025). Real Estate Credit defined by NAICS code 522292. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.