How have SBA loans in Water and Sewer Line and Related Structures Construction turned out?
Of 1,117 loans approved in fiscal 2003 to 2021 (at least five years old), 113 (10.1%) were charged off by the lender, against 15.7% across all 7(a) loans approved in those same years. Water and Sewer Line and Related Structures Construction appears on 1,367 SBA-guaranteed 7(a) loans approved from fiscal 2003 to 2026, $439.4 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.
Water and Sewer Line and Related Structures ConstructionIndustry NAICS 237110 · 1,367 loans
10%of seasoned loans charged off
Water and Sewer Line and Related Structures Construction appears on 1,367 SBA-guaranteed 7(a) loans approved from fiscal 2003 to 2026, $439.4 million in gross approvals.
Of 1,117 loans approved in fiscal 2003 to 2021 (at least five years old), 113 (10.1%) 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
25
$5.0 million
20
4
1
16.0%
FY2004
62
$10.0 million
58
4
0
6.5%
FY2005
80
$15.0 million
72
8
0
10.0%
FY2006
82
$15.7 million
65
17
0
20.7%
FY2007
85
$11.2 million
60
25
0
29.4%
FY2008
62
$13.9 million
47
15
0
24.2%
FY2009
55
$12.3 million
49
5
1
9.1%
FY2010
55
$16.4 million
45
10
0
18.2%
FY2011
67
$22.9 million
63
4
0
6.0%
FY2012
44
$12.0 million
41
1
2
2.3%
FY2013
57
$11.9 million
53
4
0
7.0%
FY2014
51
$15.5 million
49
1
1
2.0%
FY2015
65
$14.0 million
60
2
3
3.1%
FY2016
49
$19.0 million
42
5
2
10.2%
FY2017
60
$21.7 million
53
1
6
1.7%
FY2018
71
$22.3 million
60
4
7
5.6%
FY2019
47
$13.6 million
35
2
10
4.3%
FY2020
40
$13.0 million
30
0
10
0.0%
FY2021
60
$38.9 million
37
1
22
1.7%
FY2022
40
$21.6 million
14
3
23
too recent for a share
FY2023
36
$13.7 million
7
0
29
too recent for a share
FY2024
76
$40.9 million
17
0
59
too recent for a share
FY2025
75
$41.9 million
2
1
72
too recent for a share
FY2026
23
$17.2 million
0
0
23
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
99
8
8.1%
Texas
86
12
14.0%
Ohio
65
6
9.2%
Florida
57
8
14.0%
Michigan
46
7
15.2%
Washington
46
5
10.9%
Wisconsin
45
4
8.9%
Minnesota
41
0
0.0%
New York
39
4
10.3%
Massachusetts
34
4
11.8%
Arizona
34
7
20.6%
Indiana
33
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.