New Single-Family Housing Construction: SBA business acquisition loan data
44 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as New Single-Family Housing Construction (except For-Sale Builders) (NAICS 236115), totaling $64.9M. Median loan $995,500, 54% higher than the all-acquisition median.
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 $2,237,250 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 #173 of 300 industries tracked.
- Geography. Florida leads with 8 loans; the top five states account for 55% of the industry's acquisitions.
- Jobs. Lenders reported 550 jobs supported across these loans, about 12.5 per acquisition, a rough proxy for the size of business changing hands.
New Single-Family Housing Construction acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 4 | $1.1M | $292,500 | |
| FY2020 | 4 | $4.9M | $25,000 | |
| FY2021 | 3 | $5.2M | $1,805,000 | |
| FY2022 | 3 | $4.7M | $1,473,200 | |
| FY2023 | 1 | $350K | $350,000 | |
| FY2024 | 8 | $13.7M | $1,260,500 | |
| FY2025 | 11 | $18.8M | $925,000 | |
| FY2026 | 10 | $16.1M | $1,574,500 |
How often do these acquisition loans fail?
Fewer than 20 New Single-Family Housing 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.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Florida | 8 | 18.2% | $11.7M | |
| 2 | Colorado | 5 | 11.4% | $15.8M | |
| 3 | Texas | 5 | 11.4% | $9.8M | |
| 4 | Washington | 3 | 6.8% | $6.9M | |
| 5 | Michigan | 3 | 6.8% | $1.7M | |
| 6 | Ohio | 2 | 4.5% | $4.2M | |
| 7 | North Carolina | 2 | 4.5% | $3M | |
| 8 | New York | 2 | 4.5% | $774K | |
| 9 | Iowa | 2 | 4.5% | $50K | |
| 10 | Pennsylvania | 1 | 2.3% | $3M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 6 | 13.6% | $4.2M | |
| 2 | First Internet Bank of Indiana | 3 | 6.8% | $1.3M | |
| 3 | T Bank, National Association | 2 | 4.5% | $5M | |
| 4 | Bank of Oak Ridge | 2 | 4.5% | $3M | |
| 5 | Pathward National Association | 2 | 4.5% | $2.9M | |
| 6 | Columbia Bank | 2 | 4.5% | $2.6M | |
| 7 | First National Bank of Coffee County | 2 | 4.5% | $1.6M | |
| 8 | First Bank of Central Ohio | 2 | 4.5% | $1.5M | |
| 9 | Community 1st CU | 2 | 4.5% | $50K | |
| 10 | 22nd State Bank, A Division of 22nd State Banking Company | 1 | 2.3% | $5M |
Terms signed in the LOI shape the purchase agreement that follows.
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Questions buyers ask
How much is a typical SBA loan to buy a business in New Single-Family Housing Construction?
Median $995,500 across 44 acquisition loans (FY2018 to FY2026); the middle half ran $282,500 to $2,237,250. That is 54% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most New Single-Family Housing Construction acquisitions?
The Huntington National Bank (6), First Internet Bank of Indiana (3), T Bank, National Association (2), Bank of Oak Ridge (2), Pathward National Association (2).
Are businesses in New Single-Family Housing Construction often franchised?
Rarely. Only 5% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in New Single-Family Housing 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 New Single-Family Housing Construction acquisitions?
Median term 10 years, average initial rate 8.67% 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.
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