Glass and Glazing Contractors: SBA business acquisition loan data
145 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Glass and Glazing Contractors (NAICS 238150), totaling $174M. Median loan $646,000, in line with the all-acquisition median. Annual volume rose 47% from FY2024 to FY2026.
Seller note standby terms and third-party consents are reviewed before closing.
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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 $1,685,000 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 #65 of 300 industries tracked.
- Geography. Florida leads with 14 loans; the top five states account for 41% of the industry's acquisitions.
- Jobs. Lenders reported 1,804 jobs supported across these loans, about 12.4 per acquisition, a rough proxy for the size of business changing hands.
Glass and Glazing Contractors acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 5 | $5.1M | $836,300 | |
| FY2019 | 18 | $21.8M | $527,800 | |
| FY2020 | 21 | $23.4M | $800,000 | |
| FY2021 | 12 | $5.1M | $328,500 | |
| FY2022 | 12 | $16.9M | $988,150 | |
| FY2023 | 16 | $14.7M | $475,000 | |
| FY2024 | 15 | $24.2M | $960,000 | |
| FY2025 | 24 | $30.3M | $903,500 | |
| FY2026 | 22 | $32.3M | $774,000 |
How often do these acquisition loans fail?
Of the 56 Glass and Glazing Contractors acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 4 have been charged off by the SBA, a rate of 7.1% by loan count and 2.2% by dollars. 26 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 Glass and Glazing Contractors is 103% 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.
The purchase agreement decides what you bought, not the loan approval.
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Top states
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | First Internet Bank of Indiana | 8 | 5.5% | $11.8M | |
| 2 | The Huntington National Bank | 6 | 4.1% | $3.5M | |
| 3 | Fifth Third Bank | 5 | 3.4% | $5.1M | |
| 4 | Exchange Bank | 4 | 2.8% | $4.4M | |
| 5 | First National Bank of Omaha | 4 | 2.8% | $4M | |
| 6 | Sunflower Bank National Association | 4 | 2.8% | $2.8M | |
| 7 | Old National Bank | 4 | 2.8% | $2.6M | |
| 8 | Live Oak Banking Company | 3 | 2.1% | $9.4M | |
| 9 | Byline Bank | 3 | 2.1% | $5.9M | |
| 10 | Truliant FCU | 3 | 2.1% | $5.6M |
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
Franchise brands in Glass and Glazing Contractors
3% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Glass Doctor | 1 | 25.0% | $156K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Glass and Glazing Contractors?
Median $646,000 across 145 acquisition loans (FY2018 to FY2026); the middle half ran $350,000 to $1,685,000. That is in line with the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Glass and Glazing Contractors acquisitions?
First Internet Bank of Indiana (8), The Huntington National Bank (6), Fifth Third Bank (5), Exchange Bank (4), First National Bank of Omaha (4).
Are businesses in Glass and Glazing Contractors often franchised?
Rarely. Only 3% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in Glass and Glazing Contractors?
Of 56 seasoned loans (FY2018 to FY2021), 7.1% charged off, 103% higher than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Glass and Glazing Contractors acquisitions?
Median term 10 years, average initial rate 7.90% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
Terms signed in the LOI shape the purchase agreement that follows.
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