How Much Can Site Preparation Contractors Businesses Get in SBA Loans?
8,290 SBA loans totaling $2.4B have been approved for site preparation contractors businesses (NAICS 238910). The average approved SBA loan is $288K, which is 15% below avg the $340K national average. 957 active lenders fund this industry with a 11.4% default rate on the matured 2018-2021 loan cohort.
At 11.4%, Site Preparation 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 238910 (Site Preparation Contractors) received 8,290 SBA loans worth $2.4B across 5+ states. Average loan $288K, average term 107 months, 11.4% default rate (resolved-loan basis).957 active SBA-approved lenders fund this industry. Most site preparation contractors loans use the SBA 7(a) program. There are approximately 39,686 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Site Preparation Contractors?+39% growth
Which SBA Program Do Site Preparation Contractors Businesses Use Most?
What Is the Best SBA Loan for Site Preparation Contractors?
The most widely used SBA program for site preparation contractors businesses: flexible terms, multiple use cases
Where Are Site Preparation Contractors SBA Loans Most Common?
Top SBA Lenders for Site Preparation Contractors
These banks have funded the most SBA loans for site preparation contractors businesses (NAICS 238910). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 772 | $87.1M |
| 2 | U.S. Bank, National Association(OH) | 627 | $59.9M |
| 3 | Wells Fargo Bank National Association(SD) | 317 | $43.6M |
| 4 | TD Bank, National Association(DE) | 270 | $31.5M |
| 5 | Manufacturers and Traders Trust Company(NY) | 234 | $24.0M |
Site Preparation Contractors Industry Context
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How Does SBA Lending Work for Site Preparation Contractors Businesses?
Across all SBA loan programs, 8,290 loans have been approved for businesses classified under NAICS 238910 (Site Preparation Contractors), representing $2.4B in total capital deployed. The average approved loan of $288K is 15% below avg the national SBA average of $340K, with typical repayment terms of 107 months.
SBA lending for site preparation contractors is accelerating. Loan volume has grown approximately 39% 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 9% 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 site preparation 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.
Frequently Asked Questions: Site Preparation Contractors SBA Loans
What is the average SBA loan size for site preparation contractors businesses?
Which SBA loan program is best for a site preparation contractors business?
How many lenders fund SBA loans for site preparation contractors?
What states have the most SBA lending for site preparation contractors?
How does PeerSense help site preparation contractors businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Site Preparation Contractors defined by NAICS code 238910. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.