Which SBA program is best for Water and Sewer Line and Related Structures Construction?

The SBA 7(a) program is the most commonly used for Water and Sewer Line and Related Structures Construction businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 237110ConstructionLending Growing

How Much Can Water and Sewer Line and Related Structures Construction Businesses Get in SBA Loans?

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1,623 SBA loans totaling $534.9M have been approved for water and sewer line and related structures construction businesses (NAICS 237110). The average approved SBA loan is $330K, which is 3% below avg the $340K national average. 403 active lenders fund this industry with a 10.8% default rate on the matured 2018-2021 loan cohort.

Moderate default risk10.8% vs 15.4% all industry avg

At 10.8%, Water and Sewer Line and Related Structures 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. The capital source prices this risk into rate and structure.

Quick Answer

NAICS 237110 (Water and Sewer Line and Related Structures Construction) received 1,623 SBA loans worth $534.9M across 5+ states. Average loan $330K, average term 103 months, 10.8% default rate (resolved loan basis).403 active SBA approved lenders fund this industry. Most water and sewer line and related structures construction loans use the SBA 7(a) program.

1,623

Total SBA Loans

$534.9M

Total Volume

$330K

Avg Loan Size

3% below avg

403

Active Lenders

103 mo

Avg Term

21% below avg

17,659

Jobs Supported

Is SBA Lending Growing for Water and Sewer Line and Related Structures Construction?+100% growth

100

$24.9M

$25.7M

$13.8M

$16.9M

$43.4M

$27.3M

$17.5M

$57.6M

$51.1M

Which SBA Program Do Water and Sewer Line and Related Structures Construction Businesses Use Most?

SBA 7(a)1,517 (93%)

SBA 504106 (7%)

What Is the Best SBA Loan for Water and Sewer Line and Related Structures Construction?

SBA 7(a)

The most widely used SBA program for water and sewer line and related structures construction businesses: flexible terms, multiple use cases

Industry avg loan: $330K

Typical term: 103 months

Historical avg rate: 7.23%

403+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 10.8%

Where Are Water and Sewer Line and Related Structures Construction SBA Loans Most Common?

166 loans

$71.7M

131 loans

$60.5M

93 loans

$12.9M

86 loans

$40.5M

73 loans

$16.9M

SBA Lending Activity in Water and Sewer Line and Related Structures Construction

403 SBA lenders have funded 1,623 loans to water and sewer line and related structures construction businesses (NAICS 237110). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.

Loans funded

1,623

Active lenders

403

Total volume

$534.9M

Avg loan size

$330K

Browse all SBA lenders

Talk to PeerSense

PeerSense sources capital for water and sewer line and related structures construction businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Water and Sewer Line and Related Structures Construction business.

Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.

SBA 7(a) / 504: PeerSense will reach out. No obligation.

How big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

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How Does SBA Lending Work for Water and Sewer Line and Related Structures Construction Businesses?

Across all SBA loan programs, 1,623 loans have been approved for businesses classified under NAICS 237110 (Water and Sewer Line and Related Structures Construction), representing $534.9M in total capital deployed. The average approved loan of $330K is 3% below avg the national SBA average of $340K, with typical repayment terms of 103 months.

SBA lending for water and sewer line and related structures construction is accelerating. Loan volume has grown approximately 100% 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 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.

Talk to PeerSense about a water and sewer line and related structures construction file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: Water and Sewer Line and Related Structures Construction SBA Loans

What is the average SBA loan size for water and sewer line and related structures construction businesses?

Based on 1,623 approved SBA loans, the average loan size for water and sewer line and related structures construction (NAICS 237110) is $330K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a water and sewer line and related structures construction business?

SBA 7(a) is the most commonly used SBA program for water and sewer line and related structures construction businesses. The most widely used SBA program for water and sewer line and related structures construction businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for water and sewer line and related structures construction?

403 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a water and sewer line and related structures construction file.

What states have the most SBA lending for water and sewer line and related structures construction?

CA leads with 166 SBA loans and $71.7M in total volume for water and sewer line and related structures construction businesses. TX, OH, FL also show strong lending activity in this sector.

How does PeerSense help water and sewer line and related structures construction businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a water and sewer line and related structures construction file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

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Data aggregated from SBA loan records (1992 to 2025). Water and Sewer Line and Related Structures Construction defined by NAICS code 237110. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.