How Much Can Roofing Contractors Businesses Get in SBA Loans?
4,759 SBA loans totaling $1.5B have been approved for roofing contractors businesses (NAICS 238160). The average approved SBA loan is $314K, which is 8% below avg the $340K national average. 604 active lenders fund this industry with a 16.2% default rate on the matured 2018-2021 loan cohort.
At 16.2%, Roofing Contractors sits above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — above average 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 238160 (Roofing Contractors) received 4,759 SBA loans worth $1.5B across 5+ states. Average loan $314K, average term 121 months, 16.2% default rate (resolved-loan basis).604 active SBA-approved lenders fund this industry. Most roofing contractors loans use the SBA 7(a) program.
Is SBA Lending Growing for Roofing Contractors?+35% growth
Which SBA Program Do Roofing Contractors Businesses Use Most?
What Is the Best SBA Loan for Roofing Contractors?
The most widely used SBA program for roofing contractors businesses — flexible terms, multiple use cases
Where Are Roofing Contractors SBA Loans Most Common?
Top SBA Lenders for Roofing Contractors
These banks have funded the most SBA loans for roofing contractors businesses (NAICS 238160). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 480 | $90.9M |
| 2 | U.S. Bank, National Association(OH) | 395 | $44.9M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 333 | $45.9M |
| 4 | Wells Fargo Bank National Association(SD) | 274 | $69.0M |
| 5 | PNC Bank, National Association(DE) | 177 | $20.6M |
Roofing Contractors Industry Context
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How Does SBA Lending Work for Roofing Contractors Businesses?
Across all SBA loan programs, 4,759 loans have been approved for businesses classified under NAICS 238160 (Roofing Contractors), representing $1.5B in total capital deployed. The average approved loan of $314K is 8% below avg the national SBA average of $340K, with typical repayment terms of 121 months.
SBA lending for roofing contractors 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 industry sees a balanced mix of SBA programs, with 8% 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 roofing contractors 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 — Roofing Contractors SBA Loans
What is the average SBA loan size for roofing contractors businesses?
Which SBA loan program is best for a roofing contractors business?
How many lenders fund SBA loans for roofing contractors?
What states have the most SBA lending for roofing contractors?
How does PeerSense help roofing contractors businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Roofing Contractors defined by NAICS code 238160. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.