Industrial Building Construction: SBA business acquisition loan data
26 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Industrial Building Construction (NAICS 236210), totaling $46.4M. Median loan $1,292,500, 100% higher than the all-acquisition median.
Terms signed in the LOI shape the purchase agreement that follows.
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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 $2,685,000 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.1% of all SBA-financed business purchases, ranking #249 of 300 industries tracked.
- Geography. California leads with 3 loans; the top five states account for 46% of the industry's acquisitions.
- Jobs. Lenders reported 416 jobs supported across these loans, about 16.0 per acquisition, a rough proxy for the size of business changing hands.
Industrial Building Construction acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 4 | $6.7M | $1,184,500 | |
| FY2019 | 2 | $3.6M | $1,778,500 | |
| FY2020 | 1 | $1.6M | $1,635,000 | |
| FY2021 | 2 | $5.9M | $2,943,000 | |
| FY2022 | 1 | $1.4M | $1,368,000 | |
| FY2023 | 6 | $14.5M | $1,923,050 | |
| FY2024 | 3 | $1.8M | $450,000 | |
| FY2025 | 3 | $1.6M | $500,000 | |
| FY2026 | 4 | $9.3M | $2,350,500 |
How often do these acquisition loans fail?
Fewer than 20 Industrial Building Construction acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. 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.
Terms signed in the LOI shape the purchase agreement that follows.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 3 | 11.5% | $6.6M | |
| 2 | Arizona | 3 | 11.5% | $2.4M | |
| 3 | Texas | 2 | 7.7% | $6M | |
| 4 | Florida | 2 | 7.7% | $5.9M | |
| 5 | New Jersey | 2 | 7.7% | $3.5M | |
| 6 | Wisconsin | 2 | 7.7% | $1.3M | |
| 7 | Illinois | 2 | 7.7% | $875K | |
| 8 | Rhode Island | 1 | 3.8% | $4.6M | |
| 9 | Idaho | 1 | 3.8% | $3M | |
| 10 | Iowa | 1 | 3.8% | $2.8M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 4 | 15.4% | $13.5M | |
| 2 | BMO Bank National Association | 3 | 11.5% | $1.7M | |
| 3 | Northwest Bank | 2 | 7.7% | $4.7M | |
| 4 | St. Charles Bank & Trust Company, National Association | 2 | 7.7% | $875K | |
| 5 | Beacon Bank and Trust | 1 | 3.8% | $4.6M | |
| 6 | SouthState Bank, National Association | 1 | 3.8% | $4.3M | |
| 7 | The Bancorp Bank National Association | 1 | 3.8% | $3M | |
| 8 | Chelsea State Bank | 1 | 3.8% | $2.3M | |
| 9 | Columbia Bank | 1 | 3.8% | $2.2M | |
| 10 | Gesa CU | 1 | 3.8% | $1.7M |
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Questions buyers ask
How much is a typical SBA loan to buy a business in Industrial Building Construction?
Median $1,292,500 across 26 acquisition loans (FY2018 to FY2026); the middle half ran $500,000 to $2,685,000. That is 100% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Industrial Building Construction acquisitions?
Live Oak Banking Company (4), BMO Bank National Association (3), Northwest Bank (2), St. Charles Bank & Trust Company, National Association (2), Beacon Bank and Trust (1).
Are businesses in Industrial Building Construction often franchised?
Rarely. Only 0% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in Industrial Building Construction?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Industrial Building Construction acquisitions?
Median term 10 years, average initial rate 7.97% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
The purchase agreement decides what you bought, not the loan approval.
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