How Much Can Single Family Housing Construction Businesses Get in SBA Loans?
2,991 SBA loans totaling $411.6M have been approved for single family housing construction businesses (NAICS 233210). The average approved SBA loan is $138K, which is 60% below avg the $340K national average. 467 active lenders fund this industry with a 15.2% default rate on the matured 2018-2021 loan cohort.
At 15.2%, Single Family Housing Construction 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 233210 (Single Family Housing Construction) received 2,991 SBA loans worth $411.6M across 5+ states. Average loan $138K, average term 99 months, 15.2% default rate (resolved-loan basis).467 active SBA-approved lenders fund this industry. Most single family housing construction loans use the SBA 7(a) program.
Which SBA Program Do Single Family Housing Construction Businesses Use Most?
What Is the Best SBA Loan for Single Family Housing Construction?
The most widely used SBA program for single family housing construction businesses — flexible terms, multiple use cases
Where Are Single Family Housing Construction SBA Loans Most Common?
Top SBA Lenders for Single Family Housing Construction
These banks have funded the most SBA loans for single family housing construction businesses (NAICS 233210). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 441 | $25.7M |
| 2 | Wells Fargo Bank National Association(SD) | 205 | $25.9M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 190 | $11.8M |
| 4 | Citizens Bank, National Association(RI) | 146 | $4.7M |
| 5 | Bank of Hope(CA) | 139 | $2.1M |
Ready to Fund Your Single Family Housing Construction Business?
PeerSense places SBA loans for single family housing construction businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
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How Does SBA Lending Work for Single Family Housing Construction Businesses?
Across all SBA loan programs, 2,991 loans have been approved for businesses classified under NAICS 233210 (Single Family Housing Construction), representing $411.6M in total capital deployed. The average approved loan of $138K is 60% below avg the national SBA average of $340K, with typical repayment terms of 99 months.
SBA lending for single family housing construction has remained relatively stable across recent fiscal years. 467 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 7% 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 single family housing construction 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 — Single Family Housing Construction SBA Loans
What is the average SBA loan size for single family housing construction businesses?
Which SBA loan program is best for a single family housing construction business?
How many lenders fund SBA loans for single family housing construction?
What states have the most SBA lending for single family housing construction?
How does PeerSense help single family housing construction businesses get SBA loans?
Related Construction Industries
All Other Specialty Trade Contractors
Plumbing, Heating, and Air-Conditioning Contractors
Residential Remodelers
Electrical Contractors
New Single-Family Housing Construction (except Operative Builders)
Site Preparation Contractors
Data aggregated from SBA loan records (1992–2025). Single Family Housing Construction defined by NAICS code 233210. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.