SBA loan outcome check · industry · SBA data as of 30 September 2026

How have SBA loans in Commercial and Institutional Building Construction turned out?

Of 4,999 loans approved in fiscal 2000 to 2021 (at least five years old), 710 (14.2%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Commercial and Institutional Building Construction appears on 6,516 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $1.8 billion in gross approvals. These are loans, not a rating.
Not financial, legal or franchise advice. This page reports what the SBA's loan file records for SBA-guaranteed loans. A charge-off rate is not a rating of a brand or an industry, it does not predict a new loan, and a franchisee's loan is not a measure of the franchisor. Read the franchise's disclosure document and talk to a lender or an adviser before you borrow.
Commercial and Institutional Building ConstructionIndustry NAICS 236220 · 6,516 loans
14%of seasoned loans charged off
  1. Commercial and Institutional Building Construction appears on 6,516 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $1.8 billion in gross approvals.
  2. Of 4,999 loans approved in fiscal 2000 to 2021 (at least five years old), 710 (14.2%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years.
  3. A charge-off is a loan the lender wrote off. It is not a statement about the borrower, the brand or the franchisor, and it does not predict how a new loan will turn out.
0%33%Fiscal 2003: 15 of 91 loans charged off (16.5%)Fiscal 2004: 32 of 196 loans charged off (16.3%)Fiscal 2005: 77 of 304 loans charged off (25.3%)Fiscal 2006: 87 of 303 loans charged off (28.7%)Fiscal 2007: 104 of 319 loans charged off (32.6%)Fiscal 2008: 81 of 243 loans charged off (33.3%)Fiscal 2009: 32 of 193 loans charged off (16.6%)Fiscal 2010: 39 of 260 loans charged off (15.0%)Fiscal 2011: 18 of 254 loans charged off (7.1%)Fiscal 2012: 13 of 228 loans charged off (5.7%)Fiscal 2013: 11 of 253 loans charged off (4.3%)Fiscal 2014: 18 of 272 loans charged off (6.6%)Fiscal 2015: 19 of 296 loans charged off (6.4%)Fiscal 2016: 24 of 324 loans charged off (7.4%)Fiscal 2017: 45 of 353 loans charged off (12.7%)Fiscal 2018: 45 of 356 loans charged off (12.6%)Fiscal 2019: 25 of 289 loans charged off (8.7%)Fiscal 2020: 15 of 230 loans charged off (6.5%)Fiscal 2021: 10 of 233 loans charged off (4.3%)2003200520072009201120132015201720192021
share of this group's loans charged off, by approval year (years with 10+ loans)all 7(a) loans, same year

Every approval year

Approval yearLoansApprovedPaid in fullCharged offNot yet resolvedCharged-off share
FY20001$315,000100few loans
FY20021$103,000100few loans
FY200391$14.0 million7615016.5%
FY2004196$32.3 million16432016.3%
FY2005304$34.8 million22677125.3%
FY2006303$34.5 million21587128.7%
FY2007319$40.9 million212104332.6%
FY2008243$34.7 million16281033.3%
FY2009193$36.4 million16032116.6%
FY2010260$55.5 million21739415.0%
FY2011254$59.2 million2291877.1%
FY2012228$61.5 million2121335.7%
FY2013253$61.1 million2331194.3%
FY2014272$63.7 million2471876.6%
FY2015296$62.2 million2711966.4%
FY2016324$89.0 million28724137.4%
FY2017353$84.6 million270453812.7%
FY2018356$93.5 million261455012.6%
FY2019289$85.3 million20725578.7%
FY2020230$91.3 million15015656.5%
FY2021233$140.6 million115101084.3%
FY2022233$101.3 million947132too recent for a share
FY2023314$115.5 million7813223too recent for a share
FY2024361$138.0 million561304too recent for a share
FY2025410$180.8 million433364too recent for a share
FY2026199$114.3 million20197too recent for a share

By state, where 30 or more loans are at least five years old

StateLoans (FY2000 to 2021)Charged offShare
California6047011.6%
Texas4327016.2%
New York3856416.6%
Ohio2673212.0%
Florida2454819.6%
Massachusetts1822111.5%
Pennsylvania170158.8%
Illinois1633521.5%
Michigan1382014.5%
New Jersey1373021.9%
Minnesota1201815.0%
Maryland1122522.3%

US Small Business Administration, 7(a) FOIA loan data as of 30 September 2026. SBA-guaranteed 7(a) loans only, aggregated; no borrower or lender is shown. SBA open data.

Where can you go from this record?

Open it in the check to search another brand or industry. Before you borrow for a business in this industry, read the FTC consumer guide to buying a franchise, the SBA guide to buying a franchise and SBA Lender Match.

Compiled and checked by Vincent Wesley Couey (ORCID 0009-0005-6869-308X) from the SBA 7(a) FOIA loan data, as of 30 September 2026. Not an official source.

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