How have SBA loans in Other Heavy and Civil Engineering Construction turned out?
Of 1,253 loans approved in fiscal 2003 to 2021 (at least five years old), 97 (7.7%) were charged off by the lender, against 15.7% across all 7(a) loans approved in those same years. Other Heavy and Civil Engineering Construction appears on 1,562 SBA-guaranteed 7(a) loans approved from fiscal 2003 to 2026, $700.6 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.
Other Heavy and Civil Engineering ConstructionIndustry NAICS 237990 · 1,562 loans
8%of seasoned loans charged off
Other Heavy and Civil Engineering Construction appears on 1,562 SBA-guaranteed 7(a) loans approved from fiscal 2003 to 2026, $700.6 million in gross approvals.
Of 1,253 loans approved in fiscal 2003 to 2021 (at least five years old), 97 (7.7%) 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
24
$7.0 million
21
3
0
12.5%
FY2004
49
$12.0 million
45
4
0
8.2%
FY2005
77
$15.8 million
58
19
0
24.7%
FY2006
78
$13.2 million
67
11
0
14.1%
FY2007
85
$15.8 million
67
17
1
20.0%
FY2008
62
$12.7 million
55
7
0
11.3%
FY2009
79
$19.2 million
71
7
1
8.9%
FY2010
93
$38.0 million
87
5
1
5.4%
FY2011
82
$29.2 million
77
3
2
3.7%
FY2012
57
$20.9 million
53
4
0
7.0%
FY2013
73
$28.7 million
67
4
2
5.5%
FY2014
58
$30.9 million
54
3
1
5.2%
FY2015
65
$33.2 million
59
2
4
3.1%
FY2016
74
$35.1 million
65
3
6
4.1%
FY2017
57
$31.9 million
45
0
12
0.0%
FY2018
68
$36.0 million
56
2
10
2.9%
FY2019
48
$33.8 million
32
1
15
2.1%
FY2020
52
$31.6 million
33
1
18
1.9%
FY2021
72
$48.2 million
46
1
25
1.4%
FY2022
46
$30.7 million
19
0
27
too recent for a share
FY2023
68
$38.2 million
25
1
42
too recent for a share
FY2024
71
$52.9 million
13
0
58
too recent for a share
FY2025
82
$63.2 million
5
0
77
too recent for a share
FY2026
42
$22.6 million
0
0
42
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
118
9
7.6%
Texas
78
12
15.4%
Minnesota
75
4
5.3%
New York
71
7
9.9%
Florida
68
8
11.8%
Ohio
60
2
3.3%
Massachusetts
44
2
4.5%
Washington
39
4
10.3%
Colorado
36
0
0.0%
Utah
35
3
8.6%
Michigan
30
2
6.7%
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.