SBA lending by industry
Construction
SBA lenders funded 113,705 7(a) and 504 loans in Construction since FY2010, totaling $35.1B at an average of $309K per loan. The most active lender in this sector is The Huntington National Bank, and the most funding goes to California.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
Do you qualify as a small business here?
To use an SBA loan, your business has to count as small under the SBA size standard for its specific NAICS code. In Construction, standards are generally based on your average annual receipts (revenue), but the exact threshold is set per 6-digit NAICS code and varies within the sector, so check yours with the official tool. Our eligibility guide explains the rest.
Check your SBA size standardMost active SBA lenders in Construction
| Lender | Loans | Total volume |
|---|---|---|
| The Huntington National Bank | 11,855 | $2.0B |
| Wells Fargo Bank National Association | 5,815 | $1.3B |
| Live Oak Banking Company | 872 | $953.8M |
| U.S. Bank, National Association | 9,975 | $938.9M |
| JPMorgan Chase Bank, National Association | 5,674 | $923.3M |
| Newtek Small Business Finance, Inc. | 769 | $611.1M |
| TD Bank, National Association | 5,895 | $579.5M |
| Mortgage Capital Development Corporation | 578 | $528.9M |
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Where Construction loans go
| State | Loans | Total volume |
|---|---|---|
| California | 12,550 | $5.4B |
| Florida | 7,029 | $3.0B |
| Texas | 6,648 | $2.4B |
| New York | 7,355 | $1.7B |
| Colorado | 3,510 | $1.5B |
| Ohio | 8,125 | $1.3B |
| Washington | 3,358 | $1.1B |
| Minnesota | 3,541 | $1.1B |
Construction SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 4,939 | $972.1M |
| 2011 | 5,377 | $1.2B |
| 2012 | 4,945 | $1.1B |
| 2013 | 4,945 | $1.1B |
| 2014 | 5,705 | $1.2B |
| 2015 | 7,091 | $1.5B |
| 2016 | 7,188 | $1.6B |
| 2017 | 7,360 | $1.7B |
| 2018 | 7,492 | $1.9B |
| 2019 | 6,537 | $1.8B |
| 2020 | 5,700 | $2.2B |
| 2021 | 6,203 | $3.2B |
| 2022 | 6,519 | $2.7B |
| 2023 | 8,148 | $3.0B |
| 2024 | 10,461 | $3.7B |
| 2025 | 11,263 | $4.6B |
| 2026 | 3,832 | $1.6B |
SBA lending in Construction: frequently asked questions
How much SBA lending goes to Construction?
SBA lenders funded 113,705 7(a) and 504 loans in Construction totaling $35.1B in the public SBA data (as of 2026-03-31), an average of $309K per loan.
Who is the most active SBA lender for Construction?
The Huntington National Bank is the most active SBA lender in the Construction sector in the public data, by funded volume.
Which states get the most SBA lending in Construction?
The most SBA funding for Construction goes to California.