SBA loans to commercial building contractors in Puerto Rico
Short answer
SBA's loan file shows 58 loans to commercial building contractors in Puerto Rico since October 2019. 94.8% went through SBA Express, against 60.9% nationally. 87.9% were lines of credit, against 53.2% nationally.
- SBA loans, Oct 2019 to Jun 2026
- 58
- median loan
- $121,750
- dollars approved
- $10.07M
- went through SBA Express
- 94.8%
These are the 58 SBA 7(a) loans to commercial building contractors in Puerto Rico approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other.
How Puerto Rico differs from the U.S.
What this means for you. SBA Express was a more common route for these loans here, so ask lenders about it if your loan is small enough to qualify.
SBA Express
94.8% of the loans in Puerto Rico went through SBA Express, against 60.9% nationally.
Lines of credit
87.9% of the loans in Puerto Rico were lines of creditA credit limit you can draw on, repay and draw on again. , against 53.2% nationally.
Lender concentration
Oriental Bank made 46.6% of these loans (27 of 58). It is not among the five lenders with the most loans to commercial building contractors nationally. It made 26.6% of all SBA loans in Puerto Rico.
We compared 7 measures with the national figure for the same period, and these are the 3 that differ clearly. One more difference is in the table.
Puerto Rico next to the U.S.
| Measure | Puerto Rico | United States | Reading |
|---|---|---|---|
| Industry's share of all SBA loans | 2.0% | 0.62% | Clearly higher |
| Median loan | $121,750 | $175,000 | No clear gap |
| Middle half of loans | $75,000 to $200,000 | $75,000 to $400,000 | – |
| Startups (the loan opens the business) | Fewer than 5 | 2.7% | n/a |
| In business 2 years or less | Fewer than 5 | 13.9% | n/a |
| In business more than 2 years | 91.4% | 77.9% | No clear gap |
| Change of ownership | 0.0% | 4.4% | No clear gap |
| SBA Express | 94.8% | 60.9% | Clearly higher |
| Lines of credit | 87.9% | 53.2% | Clearly higher |
| Median term | 5 years | 10 years | – |
| Median spread over Prime at approval | 3 points over Prime | 2.75 points over Prime | – |
Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference.
Who lends in Puerto Rico
The 2 lenders below made 56 of the 58 loans approved October 2019 to June 2026, or 96.6%. A lender is listed when it has 5 or more of them, five at most.
| Lender | Loans | Share here | U.S. share |
|---|---|---|---|
| Banco Popular de Puerto Rico | 29 | 50.0% | Not in top 5 |
| Oriental Bank | 27 | 46.6% | Not in top 5 |
Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry.
Commercial building contractors in other states
Other states where these loans differ clearly from the national pattern, most loans first.
| State | Loans since October 2019 |
|---|---|
| California | 271 |
| New York | 191 |
| Massachusetts | 51 |
| Minnesota | 51 |
More industries in Puerto Rico
Other industries in Puerto Rico with a clear difference from the national pattern, most loans first.
| Industry | Loans since October 2019 |
|---|---|
| Physician practices | 233 |
| Sit-down restaurants | 177 |
| Physical therapy, speech therapy and audiology practices | 89 |
| Chiropractic practices | 68 |
| Fast-food, pizza and counter-service restaurants | 62 |
| Clinical and diagnostic laboratories | 60 |
| Dental practices | 58 |
| Pharmacies | 58 |
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. How we build these pages.
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Cite this page: SBA loans to commercial building contractors in Puerto Rico. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/commercial-institutional-building-construction/puerto-rico/
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