SBA loans for environment, conservation and wildlife organizations
NAICS 813312 · Program that usually fits: Usually not eligible
Organizations in this code are usually nonprofits, which can't use SBA 7(a) or 504 loans. For-profit environmental businesses, such as remediation or consulting firms, are classified under other NAICS codes and can qualify. Nonprofits can look at CDFIs, foundation program-related investments or conventional loans.
What borrowers use the money for
- Land and facilities
- Program equipment
What to use instead
Look at loans from a CDFI or local loan fund, a bank's nonprofit lending group, or program-related investments from foundations. If you also run a for-profit affiliate, that business may qualify for SBA financing on its own.
Today's rate caps
| Loan amount | Maximum spread | Maximum variable rate today |
|---|---|---|
| $50,000 or less | Prime + 6.5 | 13.50% |
| $50,001 to $250,000 | Prime + 6.0 | 13.00% |
| $250,001 to $350,000 | Prime + 4.5 | 11.50% |
| Over $350,000 | Prime + 3.0 | 10.00% |
Questions
Can a conservation organization business get an SBA loan?
Usually not, because most organizations in this industry are nonprofits, and SBA 7(a) and 504 loans require a for-profit business.
What is the NAICS code for environment, conservation and wildlife organizations?
NAICS 813312. Lenders use it to check SBA size standards and eligibility.
Sources: SBA 7(a) terms, conditions and maximum variable rates; Federal Reserve H.15 selected interest rates (bank prime loan rate); October 2026 SBA 504 debenture pricing, as published by CDCs; SBA FOIA 7(a) and 504 loan-level data.