Water and Sewer Line and Related Structures Construction: SBA business acquisition loan data
36 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Water and Sewer Line and Related Structures Construction (NAICS 237110), totaling $60.7M. Median loan $998,000, 55% higher than the all-acquisition median.
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentFree consultation. 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 $2,558,250 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 #200 of 300 industries tracked.
- Geography. California leads with 7 loans; the top five states account for 56% of the industry's acquisitions.
- Jobs. Lenders reported 537 jobs supported across these loans, about 14.9 per acquisition, a rough proxy for the size of business changing hands.
Water and Sewer Line and Related Structures Construction acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 5 | $7M | $1,120,000 | |
| FY2020 | 3 | $1.5M | $355,400 | |
| FY2021 | 4 | $3.3M | $525,000 | |
| FY2022 | 4 | $12M | $3,493,750 | |
| FY2023 | 4 | $1.4M | $394,500 | |
| FY2024 | 5 | $9.7M | $500,000 | |
| FY2025 | 7 | $14.6M | $1,671,000 | |
| FY2026 | 4 | $11.2M | $2,931,050 |
How often do these acquisition loans fail?
Fewer than 20 Water and Sewer Line and Related Structures 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 | California | 7 | 19.4% | $15.6M | |
| 2 | Florida | 4 | 11.1% | $10.3M | |
| 3 | Texas | 4 | 11.1% | $10M | |
| 4 | New Mexico | 3 | 8.3% | $2.5M | |
| 5 | Louisiana | 2 | 5.6% | $5.4M | |
| 6 | Oregon | 2 | 5.6% | $2.6M | |
| 7 | Colorado | 2 | 5.6% | $2.6M | |
| 8 | Montana | 2 | 5.6% | $2M | |
| 9 | New Hampshire | 2 | 5.6% | $650K | |
| 10 | Arizona | 1 | 2.8% | $3.7M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 6 | 16.7% | $9.2M | |
| 2 | First Bank | 2 | 5.6% | $5M | |
| 3 | First Internet Bank of Indiana | 2 | 5.6% | $5M | |
| 4 | Live Oak Banking Company | 2 | 5.6% | $650K | |
| 5 | Glacier Bank | 2 | 5.6% | $617K | |
| 6 | Northwest Bank | 1 | 2.8% | $5M | |
| 7 | FFB Bank | 1 | 2.8% | $4.6M | |
| 8 | T Bank, National Association | 1 | 2.8% | $4.1M | |
| 9 | Zions Bancorporation, National Association | 1 | 2.8% | $3.7M | |
| 10 | Pathward National Association | 1 | 2.8% | $3.7M |
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
Questions buyers ask
How much is a typical SBA loan to buy a business in Water and Sewer Line and Related Structures Construction?
Median $998,000 across 36 acquisition loans (FY2018 to FY2026); the middle half ran $396,950 to $2,558,250. That is 55% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Water and Sewer Line and Related Structures Construction acquisitions?
The Huntington National Bank (6), First Bank (2), First Internet Bank of Indiana (2), Live Oak Banking Company (2), Glacier Bank (2).
Are businesses in Water and Sewer Line and Related Structures 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 Water and Sewer Line and Related Structures 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 Water and Sewer Line and Related Structures Construction acquisitions?
Median term 10 years, average initial rate 8.15% 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