Other Building Material Dealers: SBA business acquisition loan data
214 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Other Building Material Dealers (NAICS 444180), totaling $243M. Median loan $748,950, 16% higher than the all-acquisition median. Annual volume rose 24% from FY2024 to FY2026.
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 $1,486,750 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.4% of all SBA-financed business purchases, ranking #50 of 300 industries tracked.
- Geography. Florida leads with 19 loans; the top five states account for 34% of the industry's acquisitions.
- Jobs. Lenders reported 2,134 jobs supported across these loans, about 10.0 per acquisition, a rough proxy for the size of business changing hands.
Other Building Material Dealers acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 23 | $18.9M | $356,000 | |
| FY2019 | 23 | $20.5M | $475,000 | |
| FY2020 | 21 | $19.9M | $720,000 | |
| FY2021 | 29 | $33M | $763,000 | |
| FY2022 | 16 | $12.8M | $567,750 | |
| FY2023 | 18 | $15.9M | $720,250 | |
| FY2024 | 21 | $32.3M | $1,000,000 | |
| FY2025 | 37 | $47.1M | $873,500 | |
| FY2026 | 26 | $42.3M | $1,017,500 |
How often do these acquisition loans fail?
Of the 96 Other Building Material Dealers acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 7 have been charged off by the SBA, a rate of 7.3% by loan count and 4.5% by dollars. 48 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 Other Building Material Dealers is 107% 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.
Terms signed in the LOI shape the purchase agreement that follows.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Florida | 19 | 8.9% | $25.6M | |
| 2 | California | 17 | 7.9% | $20.5M | |
| 3 | Texas | 13 | 6.1% | $23.5M | |
| 4 | Ohio | 12 | 5.6% | $11.4M | |
| 5 | Minnesota | 12 | 5.6% | $7.4M | |
| 6 | Colorado | 8 | 3.7% | $12.9M | |
| 7 | Washington | 7 | 3.3% | $9.4M | |
| 8 | Indiana | 7 | 3.3% | $6.8M | |
| 9 | Missouri | 7 | 3.3% | $5.6M | |
| 10 | Illinois | 6 | 2.8% | $9.1M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 24 | 11.2% | $24.4M | |
| 2 | Live Oak Banking Company | 9 | 4.2% | $16.8M | |
| 3 | Beacon Bank and Trust | 7 | 3.3% | $9.2M | |
| 4 | Manufacturers and Traders Trust Company | 7 | 3.3% | $7.3M | |
| 5 | Byline Bank | 5 | 2.3% | $6.6M | |
| 6 | Pinnacle Bank | 5 | 2.3% | $6.6M | |
| 7 | Plumas Bank | 5 | 2.3% | $6.4M | |
| 8 | T Bank, National Association | 5 | 2.3% | $5.7M | |
| 9 | FDIC - Community Bank & Trust-West Georgia | 4 | 1.9% | $6.9M | |
| 10 | First Internet Bank of Indiana | 3 | 1.4% | $5.8M |
The purchase agreement decides what you bought, not the loan approval.
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Franchise brands in Other Building Material Dealers
3% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Do it Best | 2 | 33.3% | $2M | |
| 2 | Glass Doctor | 1 | 16.7% | $670K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Other Building Material Dealers?
Median $748,950 across 214 acquisition loans (FY2018 to FY2026); the middle half ran $350,000 to $1,486,750. That is 16% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Other Building Material Dealers acquisitions?
The Huntington National Bank (24), Live Oak Banking Company (9), Beacon Bank and Trust (7), Manufacturers and Traders Trust Company (7), Byline Bank (5).
Are businesses in Other Building Material Dealers 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 Other Building Material Dealers?
Of 96 seasoned loans (FY2018 to FY2021), 7.3% charged off, 107% higher than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Other Building Material Dealers acquisitions?
Median term 10 years, average initial rate 7.69% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
Seller note standby terms and third-party consents are reviewed before closing.
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