How Much Can Water Supply and Irrigation Systems Businesses Get in SBA Loans?
961 SBA loans totaling $255.3M have been approved for water supply and irrigation systems businesses (NAICS 221310). The average approved SBA loan is $266K, which is 22% below avg the $340K national average. 307 active lenders fund this industry with a 13.3% default rate on the matured 2018-2021 loan cohort.
At 13.3%, Water Supply and Irrigation Systems 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 221310 (Water Supply and Irrigation Systems) received 961 SBA loans worth $255.3M across 5+ states. Average loan $266K, average term 108 months, 13.3% default rate (resolved-loan basis).307 active SBA-approved lenders fund this industry. Most water supply and irrigation systems loans use the SBA 7(a) program. There are approximately 4,430 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Water Supply and Irrigation Systems?+77% growth
Which SBA Program Do Water Supply and Irrigation Systems Businesses Use Most?
What Is the Best SBA Loan for Water Supply and Irrigation Systems?
The most widely used SBA program for water supply and irrigation systems businesses — flexible terms, multiple use cases
Where Are Water Supply and Irrigation Systems SBA Loans Most Common?
Top SBA Lenders for Water Supply and Irrigation Systems
These banks have funded the most SBA loans for water supply and irrigation systems businesses (NAICS 221310). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 64 | $6.5M |
| 2 | The Huntington National Bank(OH) | 39 | $5.9M |
| 3 | Bank of America, National Association(NC) | 37 | $1.5M |
| 4 | U.S. Bank, National Association(OH) | 35 | $6.7M |
| 5 | PNC Bank, National Association(DE) | 34 | $3.0M |
Water Supply and Irrigation Systems Industry Context
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How Does SBA Lending Work for Water Supply and Irrigation Systems Businesses?
Across all SBA loan programs, 961 loans have been approved for businesses classified under NAICS 221310 (Water Supply and Irrigation Systems), representing $255.3M in total capital deployed. The average approved loan of $266K is 22% below avg the national SBA average of $340K, with typical repayment terms of 108 months.
SBA lending for water supply and irrigation systems is accelerating — loan volume has grown approximately 77% 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 overwhelming majority of SBA lending for water supply and irrigation systems 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 water supply and irrigation systems 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 — Water Supply and Irrigation Systems SBA Loans
What is the average SBA loan size for water supply and irrigation systems businesses?
Which SBA loan program is best for a water supply and irrigation systems business?
How many lenders fund SBA loans for water supply and irrigation systems?
What states have the most SBA lending for water supply and irrigation systems?
How does PeerSense help water supply and irrigation systems businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Water Supply and Irrigation Systems defined by NAICS code 221310. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.