How Much Can Roofing, Siding, and Sheet Metal Contractors Businesses Get in SBA Loans?
1,533 SBA loans totaling $247.1M have been approved for roofing, siding, and sheet metal contractors businesses (NAICS 235610). The average approved SBA loan is $161K, which is 53% below avg the $340K national average. 374 active lenders fund this industry with a 11.6% default rate on the matured 2018-2021 loan cohort.
At 11.6%, Roofing, Siding, and Sheet Metal Contractors 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 235610 (Roofing, Siding, and Sheet Metal Contractors) received 1,533 SBA loans worth $247.1M across 5+ states. Average loan $161K, average term 120 months, 11.6% default rate (resolved-loan basis).374 active SBA-approved lenders fund this industry. Most roofing, siding, and sheet metal contractors loans use the SBA 7(a) program. There are approximately 800,651 U.S. establishments in this industry (Census 2022).
Which SBA Program Do Roofing, Siding, and Sheet Metal Contractors Businesses Use Most?
What Is the Best SBA Loan for Roofing, Siding, and Sheet Metal Contractors?
The most widely used SBA program for roofing, siding, and sheet metal contractors businesses — flexible terms, multiple use cases
Where Are Roofing, Siding, and Sheet Metal Contractors SBA Loans Most Common?
Top SBA Lenders for Roofing, Siding, and Sheet Metal Contractors
These banks have funded the most SBA loans for roofing, siding, and sheet metal contractors businesses (NAICS 235610). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 135 | $21.8M |
| 2 | Bank of America, National Association(NC) | 110 | $9.2M |
| 3 | U.S. Bank, National Association(OH) | 84 | $14.9M |
| 4 | PNC Bank, National Association(DE) | 73 | $11.3M |
| 5 | JPMorgan Chase Bank, National Association(OH) | 58 | $6.3M |
Roofing, Siding, and Sheet Metal Contractors Industry Context
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How Does SBA Lending Work for Roofing, Siding, and Sheet Metal Contractors Businesses?
Across all SBA loan programs, 1,533 loans have been approved for businesses classified under NAICS 235610 (Roofing, Siding, and Sheet Metal Contractors), representing $247.1M in total capital deployed. The average approved loan of $161K is 53% below avg the national SBA average of $340K, with typical repayment terms of 120 months.
SBA lending for roofing, siding, and sheet metal contractors has remained relatively stable across recent fiscal years. 374 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
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 roofing, siding, and sheet metal 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, Siding, and Sheet Metal Contractors SBA Loans
What is the average SBA loan size for roofing, siding, and sheet metal contractors businesses?
Which SBA loan program is best for a roofing, siding, and sheet metal contractors business?
How many lenders fund SBA loans for roofing, siding, and sheet metal contractors?
What states have the most SBA lending for roofing, siding, and sheet metal contractors?
How does PeerSense help roofing, siding, and sheet metal contractors businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Roofing, Siding, and Sheet Metal Contractors defined by NAICS code 235610. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.