Water Supply and Irrigation Systems: SBA business acquisition loan data
33 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Water Supply and Irrigation Systems (NAICS 221310), totaling $34.9M. Median loan $618,000, in line with the all-acquisition median.
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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 $1,500,000 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 #211 of 300 industries tracked.
- Geography. Florida leads with 7 loans; the top five states account for 58% of the industry's acquisitions.
- Jobs. Lenders reported 375 jobs supported across these loans, about 11.4 per acquisition, a rough proxy for the size of business changing hands.
Water Supply and Irrigation Systems acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 4 | $2M | $459,000 | |
| FY2019 | 0 | $0 | - | |
| FY2020 | 6 | $3.5M | $402,250 | |
| FY2021 | 9 | $8.4M | $650,000 | |
| FY2022 | 2 | $3.5M | $1,725,000 | |
| FY2023 | 1 | $2.1M | $2,060,000 | |
| FY2024 | 5 | $6.9M | $500,000 | |
| FY2025 | 1 | $100K | $100,000 | |
| FY2026 | 5 | $8.6M | $961,000 |
How often do these acquisition loans fail?
Fewer than 20 Water Supply and Irrigation Systems 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.
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Top states
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Idaho Central CU | 2 | 6.1% | $5M | |
| 2 | City Bank | 2 | 6.1% | $2M | |
| 3 | PNC Bank, National Association | 2 | 6.1% | $1.1M | |
| 4 | Commercial Bank | 2 | 6.1% | $1.1M | |
| 5 | Dream First Bank National Association | 2 | 6.1% | $1M | |
| 6 | Zions Bancorporation, National Association | 1 | 3.0% | $3.8M | |
| 7 | Live Oak Banking Company | 1 | 3.0% | $3.4M | |
| 8 | City National Bank | 1 | 3.0% | $2.8M | |
| 9 | The Yellowstone Bank | 1 | 3.0% | $2.1M | |
| 10 | FDIC - Community Bank & Trust-West Georgia | 1 | 3.0% | $1.8M |
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Questions buyers ask
How much is a typical SBA loan to buy a business in Water Supply and Irrigation Systems?
Median $618,000 across 33 acquisition loans (FY2018 to FY2026); the middle half ran $279,000 to $1,500,000. That is in line with the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Water Supply and Irrigation Systems acquisitions?
Idaho Central CU (2), City Bank (2), PNC Bank, National Association (2), Commercial Bank (2), Dream First Bank National Association (2).
Are businesses in Water Supply and Irrigation Systems 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 Supply and Irrigation Systems?
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 Supply and Irrigation Systems acquisitions?
Median term 10 years, average initial rate 7.36% 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.
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