How have SBA loans in "Highway, Street, and Bridge Construction" turned out?
Of 1,631 loans approved in fiscal 2003 to 2021 (at least five years old), 150 (9.2%) were charged off by the lender, against 15.7% across all 7(a) loans approved in those same years. "Highway, Street, and Bridge Construction" appears on 1,968 SBA-guaranteed 7(a) loans approved from fiscal 2003 to 2026, $722.0 million 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.
"Highway, Street, and Bridge Construction"Industry NAICS 237310 · 1,968 loans
9%of seasoned loans charged off
"Highway, Street, and Bridge Construction" appears on 1,968 SBA-guaranteed 7(a) loans approved from fiscal 2003 to 2026, $722.0 million in gross approvals.
Of 1,631 loans approved in fiscal 2003 to 2021 (at least five years old), 150 (9.2%) were charged off by the lender, against 15.7% across all 7(a) loans approved in those same years.
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.
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 year
Loans
Approved
Paid in full
Charged off
Not yet resolved
Charged-off share
FY2003
51
$9.5 million
47
4
0
7.8%
FY2004
74
$12.7 million
65
9
0
12.2%
FY2005
109
$24.1 million
96
13
0
11.9%
FY2006
92
$16.8 million
77
15
0
16.3%
FY2007
100
$19.4 million
71
28
1
28.0%
FY2008
98
$24.7 million
77
21
0
21.4%
FY2009
81
$19.5 million
75
6
0
7.4%
FY2010
94
$32.9 million
88
6
0
6.4%
FY2011
125
$62.4 million
115
10
0
8.0%
FY2012
91
$27.1 million
83
7
1
7.7%
FY2013
82
$31.3 million
77
4
1
4.9%
FY2014
81
$16.9 million
75
5
1
6.2%
FY2015
92
$28.3 million
84
4
4
4.3%
FY2016
91
$27.0 million
85
4
2
4.4%
FY2017
80
$25.2 million
73
3
4
3.8%
FY2018
85
$40.7 million
68
5
12
5.9%
FY2019
71
$22.9 million
47
2
22
2.8%
FY2020
76
$36.9 million
46
1
29
1.3%
FY2021
58
$47.0 million
34
3
21
5.2%
FY2022
50
$26.5 million
25
1
24
too recent for a share
FY2023
60
$32.0 million
15
4
41
too recent for a share
FY2024
110
$58.2 million
11
1
98
too recent for a share
FY2025
82
$57.2 million
7
0
75
too recent for a share
FY2026
35
$22.8 million
1
0
34
too recent for a share
By state, where 30 or more loans are at least five years old
State
Loans (FY2003 to 2021)
Charged off
Share
California
111
13
11.7%
Ohio
99
16
16.2%
Texas
84
10
11.9%
New York
82
7
8.5%
Pennsylvania
72
4
5.6%
Utah
71
5
7.0%
Minnesota
65
4
6.2%
Massachusetts
64
9
14.1%
Oregon
60
0
0.0%
Wisconsin
53
5
9.4%
Washington
52
3
5.8%
Montana
48
0
0.0%
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.