SBA loans for conservation Nonprofits
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.
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Get matched with an SBA lender
Answer four questions and see SBA lenders that fit your state, loan size and industry, with your maximum rate. Compare at least two quotes before you sign. Rates move monthly: check current SBA loan rates and the 504 rate.
Today's rate caps
These are the SBA's maximum 7(a) rates with prime at 7.00%. See current SBA 7(a) rates and SBA 504 rates.
| 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% |
Related industries and lenders
Related industries
SBA lenders active nationwide
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); November 2026 SBA 504 debenture pricing, as published by CDCs; SBA FOIA 7(a) and 504 loan-level data.