How Much Can Residential Remodelers Businesses Get in SBA Loans?
20,213 SBA loans totaling $2.6B have been approved for residential remodelers businesses (NAICS 236118). The average approved SBA loan is $126K, which is 63% below avg the $340K national average. 859 active lenders fund this industry with a 21.9% default rate on the matured 2018-2021 loan cohort.
At 21.9%, Residential Remodelers 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 236118 (Residential Remodelers) received 20,213 SBA loans worth $2.6B across 5+ states. Average loan $126K, average term 98 months, 21.9% default rate (resolved loan basis).859 active SBA approved lenders fund this industry. Most residential remodelers loans use the SBA 7(a) program.
Is SBA Lending Growing for Residential Remodelers?+35% growth
Which SBA Program Do Residential Remodelers Businesses Use Most?
What Is the Best SBA Loan for Residential Remodelers?
The most widely used SBA program for residential remodelers businesses: flexible terms, multiple use cases
Where Are Residential Remodelers SBA Loans Most Common?
SBA Lending Activity in Residential Remodelers
859 SBA lenders have funded 20,213 loans to residential remodelers businesses (NAICS 236118). 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.
Residential Remodelers Industry Context
Talk to PeerSense
PeerSense sources capital for residential remodelers 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 Residential Remodelers 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 Residential Remodelers Businesses?
Across all SBA loan programs, 20,213 loans have been approved for businesses classified under NAICS 236118 (Residential Remodelers), representing $2.6B in total capital deployed. The average approved loan of $126K is 63% below avg the national SBA average of $340K, with typical repayment terms of 98 months.
SBA lending for residential remodelers is accelerating. Loan volume has grown approximately 35% 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 residential remodelers 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 residential remodelers file. The capital source sets the terms. The desk fee is paid at closing, never upfront.
Frequently Asked Questions: Residential Remodelers SBA Loans
What is the average SBA loan size for residential remodelers businesses?
Which SBA loan program is best for a residential remodelers business?
How many lenders fund SBA loans for residential remodelers?
What states have the most SBA lending for residential remodelers?
How does PeerSense help residential remodelers businesses get SBA loans?
Related Construction Industries
All Other Specialty Trade Contractors
Plumbing, Heating, and Air-Conditioning Contractors
Electrical Contractors
New Single-Family Housing Construction (except Operative Builders)
Site Preparation Contractors
Commercial and Institutional Building Construction
Data aggregated from SBA loan records (1992 to 2025). Residential Remodelers defined by NAICS code 236118. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.