How Much Can Real Estate Credit Businesses Get in SBA Loans?
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.
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. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
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).
Is SBA Lending Growing for Real Estate Credit?-56% decline
Which SBA Program Do Real Estate Credit Businesses Use Most?
What Is the Best SBA Loan for Real Estate Credit?
The most widely used SBA program for real estate credit businesses — flexible terms, multiple use cases
Where Are Real Estate Credit SBA Loans Most Common?
Top SBA Lenders for Real Estate Credit
These banks have funded the most SBA loans for real estate credit businesses (NAICS 522292). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association(OH) | 30 | $1.9M |
| 2 | Bank of America, National Association(NC) | 22 | $1.6M |
| 3 | U.S. Bank, National Association(OH) | 15 | $8.1M |
| 4 | CDC Small Business Finance Cor(CA) | 15 | $13.0M |
| 5 | Zions Bank, A Division of(UT) | 8 | $535K |
Real Estate Credit Industry Context
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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.
PeerSense specializes in matching real estate credit 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 — Real Estate Credit SBA Loans
What is the average SBA loan size for real estate credit businesses?
Which SBA loan program is best for a real estate credit business?
How many lenders fund SBA loans for real estate credit?
What states have the most SBA lending for real estate credit?
How does PeerSense help real estate credit businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Real Estate Credit defined by NAICS code 522292. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.