Commercial and Institutional Building Construction: SBA business acquisition loan data
125 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Commercial and Institutional Building Construction (NAICS 236220), totaling $217M. Median loan $1,396,300, 116% higher than the all-acquisition median. Annual volume rose 64% from FY2024 to FY2026.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $2,600,000 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.3% of all SBA-financed business purchases, ranking #77 of 300 industries tracked.
- Geography. Minnesota leads with 11 loans; the top five states account for 38% of the industry's acquisitions.
- Jobs. Lenders reported 2,292 jobs supported across these loans, about 18.3 per acquisition, a rough proxy for the size of business changing hands.
Commercial and Institutional Building Construction acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 10 | $11M | $692,250 | |
| FY2019 | 14 | $19.2M | $1,410,450 | |
| FY2020 | 5 | $5.6M | $575,000 | |
| FY2021 | 19 | $25.2M | $994,200 | |
| FY2022 | 8 | $13.5M | $1,462,000 | |
| FY2023 | 9 | $12.4M | $1,267,000 | |
| FY2024 | 14 | $29.1M | $1,785,000 | |
| FY2025 | 23 | $51.4M | $1,650,000 | |
| FY2026 | 23 | $50.3M | $1,902,000 |
How often do these acquisition loans fail?
Of the 48 Commercial and Institutional Building Construction acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 3 have been charged off by the SBA, a rate of 6.3% by loan count and 5.3% by dollars. 21 have already been paid in full.
For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so Commercial and Institutional Building Construction is 78% higher than the acquisition-loan average. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
Top states
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 12 | 9.6% | $12.8M | |
| 2 | Live Oak Banking Company | 6 | 4.8% | $11.7M | |
| 3 | Pinnacle Bank | 4 | 3.2% | $6.4M | |
| 4 | Pathward National Association | 3 | 2.4% | $12.5M | |
| 5 | First Internet Bank of Indiana | 3 | 2.4% | $5.5M | |
| 6 | First Merchants Bank | 3 | 2.4% | $4.6M | |
| 7 | Beacon Bank and Trust | 3 | 2.4% | $4.4M | |
| 8 | Plumas Bank | 3 | 2.4% | $4M | |
| 9 | WesBanco Bank, Inc. | 3 | 2.4% | $2M | |
| 10 | TD Bank, National Association | 3 | 2.4% | $1.3M |
The purchase agreement decides what you bought, not the loan approval.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
Franchise brands in Commercial and Institutional Building Construction
2% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | ServiceMaster | 1 | 50.0% | $416K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Commercial and Institutional Building Construction?
Median $1,396,300 across 125 acquisition loans (FY2018 to FY2026); the middle half ran $461,500 to $2,600,000. That is 116% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Commercial and Institutional Building Construction acquisitions?
The Huntington National Bank (12), Live Oak Banking Company (6), Pinnacle Bank (4), Pathward National Association (3), First Internet Bank of Indiana (3).
Are businesses in Commercial and Institutional Building Construction often franchised?
Rarely. Only 2% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in Commercial and Institutional Building Construction?
Of 48 seasoned loans (FY2018 to FY2021), 6.3% charged off, 78% higher than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Commercial and Institutional Building Construction acquisitions?
Median term 10 years, average initial rate 7.75% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
Advertise on this site: lenders, brokers, valuation and insurance firms. See options