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NAICS 221320Utilities

How Much Can Sewage Treatment Facilities Businesses Get in SBA Loans?

108 SBA loans totaling $34.1M have been approved for sewage treatment facilities businesses (NAICS 221320). The average approved SBA loan is $316K, which is 7% below avg the $340K national average. 69 active lenders fund this industry.

Quick Answer

NAICS 221320 (Sewage Treatment Facilities) received 108 SBA loans worth $34.1M across 5+ states. Average loan $316K, average term 113 months.69 active SBA-approved lenders fund this industry. Most sewage treatment facilities loans use the SBA 7(a) program. There are approximately 562 U.S. establishments in this industry (Census 2022).

108
Total SBA Loans
$34.1M
Total Volume
$316K
Avg Loan Size
7% below avg
69
Active Lenders
113 mo
Avg Term
13% below avg
798
Jobs Supported

Is SBA Lending Growing for Sewage Treatment Facilities?

5
1
5
3
5
3
2
5
2
16
17
18
20
21
22
23
24
25
$243K
$143K
$987K
$460K
$3.5M
$1.2M
$2.7M
$6.2M
$1.6M

Which SBA Program Do Sewage Treatment Facilities Businesses Use Most?

SBA 7(a)103 (95%)
SBA 5045 (5%)

What Is the Best SBA Loan for Sewage Treatment Facilities?

SBA 7(a)

The most widely used SBA program for sewage treatment facilities businesses — flexible terms, multiple use cases

Industry avg loan: $316K
Typical term: 113 months
Historical avg rate: 7.06%
69+ lenders active in this industry

Where Are Sewage Treatment Facilities SBA Loans Most Common?

#1
TX
18 loans
$5.9M
#2
NY
8 loans
$528K
#3
CA
7 loans
$1.2M
#4
FL
5 loans
$3.1M
#5
IN
5 loans
$2.5M

Top SBA Lenders for Sewage Treatment Facilities

These banks have funded the most SBA loans for sewage treatment facilities businesses (NAICS 221320). PeerSense routes deals to lenders with proven appetite in your industry.

#LenderLoansVolume
1Citizens Bank, National Association(RI)7$432K
2Comerica Bank(TX)5$1.8M
3U.S. Bank, National Association(OH)5$182K
4Manufacturers and Traders Trust Company(NY)4$493K
5Bank of America, National Association(NC)4$300K

Sewage Treatment Facilities Industry Context

U.S. Establishments
562
U.S. Census Bureau · 2022
U.S. Employment
28,615,000
BLS · 2026
SBA Penetration
19.22%
SBA loans per establishment

Ready to Fund Your Sewage Treatment Facilities Business?

PeerSense places SBA loans for sewage treatment facilities businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.

$0

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Financing a Sewage Treatment Facilities business? Get matched to an SBA lender.

Tell us your loan amount and use of funds. We route you to the lender most likely to fund a deal in your industry.

SBA 7(a) / 504 — Response within 4 business hours. No obligation.

No retainers · Referral fee at closing · Or call (317) 452-6990

How Does SBA Lending Work for Sewage Treatment Facilities Businesses?

Across all SBA loan programs, 108 loans have been approved for businesses classified under NAICS 221320 (Sewage Treatment Facilities), representing $34.1M in total capital deployed. The average approved loan of $316K is 7% below avg the national SBA average of $340K, with typical repayment terms of 113 months.

SBA lending for sewage treatment facilities has remained relatively stable across recent fiscal years. 69 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.

The overwhelming majority of SBA lending for sewage treatment facilities 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.

PeerSense specializes in matching sewage treatment facilities 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 — Sewage Treatment Facilities SBA Loans

What is the average SBA loan size for sewage treatment facilities businesses?
Based on 108 approved SBA loans, the average loan size for sewage treatment facilities (NAICS 221320) is $316K. This compares to the national SBA average of $340K across all industries.
Which SBA loan program is best for a sewage treatment facilities business?
SBA 7(a) is the most commonly used SBA program for sewage treatment facilities businesses. The most widely used SBA program for sewage treatment facilities businesses — flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.
How many lenders fund SBA loans for sewage treatment facilities?
69 different SBA-approved lenders have funded loans in this industry. Not all lenders are equally active in every industry — PeerSense matches your deal with lenders who have experience and appetite in the sewage treatment facilities sector.
What states have the most SBA lending for sewage treatment facilities?
TX leads with 18 SBA loans and $5.9M in total volume for sewage treatment facilities businesses. NY, CA, FL also show strong lending activity in this sector.
How does PeerSense help sewage treatment facilities businesses get SBA loans?
PeerSense is a capital advisory firm — not a lender. We analyze your deal (loan amount, down payment, business financials) and match you with SBA-approved lenders experienced in the sewage treatment facilities industry. Our referral fee is established upfront in our agreement and paid at closing. No retainers.

Data aggregated from SBA loan records (1992–2025). Sewage Treatment Facilities defined by NAICS code 221320. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.