Top Industries That Qualify for SBA Loans in 2025

The U.S. Small Business Administration (SBA) supports entrepreneurs across the country by guaranteeing loans through banks, credit unions, and nonprofit lenders. These loans provide longer terms, lower down payments, and easier qualification than many traditional financing options. But not every industry is eligible. Understanding the top industries that qualify for SBA loans in 2025 can help you determine if your business is a good fit.

Why Industry Eligibility Matters

• SBA loans are designed to support for-profit small businesses that meet SBA size standards.

• Certain industries, such as gambling or lending businesses, are excluded.

• Lenders often have additional preferences based on risk and repayment ability.

Top Industries That Qualify for SBA Loans in 2025

Healthcare & Medical Services

• Includes clinics, dental practices, pharmacies, and home healthcare providers.

• SBA loans are commonly used for purchasing equipment, expanding facilities, or acquiring practices.

Construction & Contracting

• Contractors, builders, and tradespeople can qualify for SBA 7(a) and 504 loans.

• Financing often supports equipment purchases, real estate, or working capital.

Manufacturing

• From food processing to machinery production, manufacturers use SBA loans for equipment upgrades and facility expansion.

Retail & E-Commerce

• Both brick-and-mortar and online retailers qualify.

• SBA microloans are especially useful for smaller shops and e-commerce startups.

Hospitality & Food Services

• Restaurants, coffee shops, and hotels are frequent SBA loan recipients.

• Loans can fund renovations, kitchen upgrades, or new locations.

Transportation & Logistics

• Trucking companies, freight operators, and delivery services use SBA loans for vehicles and equipment.

Professional Services

• Law firms, accounting offices, and marketing agencies qualify.

• Loans cover office space, payroll, or technology upgrades.

Agriculture & Farming (when structured as for-profit businesses)

• Ranches, farms, and agricultural service providers often access SBA loans through microloan or 7(a) programs.

Technology & Startups

• Tech businesses qualify if they meet SBA size standards.

• SBA loans support product development, hiring, and working capital.

Tourism & Outdoor Recreation

• Businesses in travel, recreation, and adventure services are eligible.

• Useful for equipment, facilities, and seasonal working capital.

Industries That Do Not Qualify

The SBA restricts lending to certain industries, including:

• Gambling-related businesses

• Speculative real estate investment firms

• Lending or investment companies

• Pyramid sales and multi-level marketing ventures

• Businesses engaged in illegal activities

Steps to See if Your Industry Qualifies (Featured Snippet Section)

1. Review SBA size standards for your industry (based on NAICS code)

2. Confirm your business is for-profit and U.S.-based

3. Check if your industry is excluded (gambling, lending, MLM, etc.)

4. Prepare tax returns, financial statements, and business plan

5. Contact an SBA-approved lender for industry-specific guidance

Tips for Industry-Specific SBA Loan Success

• Work with lenders who have experience in your industry.

• Highlight industry trends and revenue stability in your business plan.

• Use collateral (equipment, property) to strengthen your application.

• Consider SBA 504 loans if your industry requires heavy equipment or facilities.

Future SBA Loan Trends by Industry in 2025

• Growth in SBA loans for healthcare, renewable energy, and green businesses.

• Continued support for minority- and women-owned ventures across industries.

• Expansion of microloans for rural and underserved communities.

• Increased accessibility for tech and service-based startups.

Conclusion: Top Industries That Qualify for SBA Loans in 2025

From healthcare to hospitality and retail to technology, most small businesses qualify for SBA financing if they meet size and eligibility standards. By focusing on industry-specific strengths and preparing strong documentation, you can improve your chances of approval.

Ready to explore options? Review the SBA’s industry standards, connect with your local Small Business Development Center (SBDC), and contact SBA-approved lenders. With the right preparation, your industry can access the capital it needs to grow in 2025.