SBA loans for roofing contractor businesses
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data [source] · File as of September 30, 2026 · Loans approved in federal fiscal years 2024–2026 (Oct 2023 – Sept 2026) · Imported November 4, 2026
Roofing Contractors (NAICS 238160)
948loans approved
$178,500median loan
$65K–$368Kmiddle half of loans
$419.3Mtotal approved
10%median initial rate
10 yrsmedian term
Borrowers reported 9,228 jobs created or retained.
4% of these loans went to franchise locations.
Loan sizes
States with the most loans
| State | Loans | Median |
|---|---|---|
| Florida | 102 | $250,000 |
| Texas | 100 | $200,500 |
| California | 85 | $250,000 |
| Ohio | 69 | $100,000 |
| Illinois | 47 | $150,000 |
| Michigan | 42 | $195,000 |
| Colorado | 41 | $250,000 |
| New York | 38 | $184,750 |
| Pennsylvania | 30 | $100,000 |
| Washington | 29 | $145,800 |
Most active lenders
| Lender | Loans | Median | Total |
|---|---|---|---|
| The Huntington National Bank | 104 | $150,000 | $26.6M |
| U.S. Bank, National Association | 70 | $50,000 | $11.6M |
| TD Bank, National Association | 52 | $103,500 | $8.2M |
| JPMorgan Chase Bank, National Association | 52 | $250,000 | $13.0M |
| Readycap Lending, LLC | 51 | $266,500 | $20.9M |
| Newtek Bank, National Association | 40 | $350,000 | $19.0M |
| Northeast Bank | 35 | $200,000 | $7.2M |
| Manufacturers and Traders Trust Company | 33 | $60,000 | $2.7M |
| Wells Fargo Bank National Association | 27 | $25,000 | $8.6M |
| Bayfirst National Bank | 23 | $150,000 | $4.7M |
Planning one? Read how to start a roofing contractor business and model payments with the loan calculator.
What this data does — and doesn't — tell you
- Approvals, not applications. These are loans SBA approved. The data has no denials, so it cannot tell you your odds of approval.
- Loan size is not startup cost. 7(a) loans also pay for buying existing businesses, real estate, equipment, refinancing and working capital.
- Gross approval amount. Figures are the full approved loan, including the part SBA does not guarantee. Some approved loans are later reduced or never fully disbursed.
- Industry codes are assigned at approval (NAICS) and can be imprecise — a mobile detailer may be coded as a car wash, for example.
- Medians beat averages here: a few very large loans pull averages up. We show the median and the middle half (25th–75th percentile).
- No default rates. Most recent loans are still being repaid, so charge-off rates for these years would be misleading. We don't show them.
- Cancelled loans are excluded, and any group with fewer than 10 loans is hidden. We never publish borrower names.
- Lender counts aren't a quality rating. Big national lenders make many small loans; local lenders may know your market better. Talk to several, or use SBA Lender Match.