SBA loans for golf courses and country clubs
NAICS 713910 · Program that usually fits: 7(a) or 504
Public, daily-fee golf courses can qualify. Private clubs that limit membership for reasons other than capacity are not eligible for SBA loans, which rules out many country clubs.
What borrowers use the money for
- Buying a course
- Clubhouse renovation
- Irrigation and maintenance equipment
- Refinancing existing debt
Example: a $3,500,000 loan
At today's maximum variable 7(a) rate of 10.00% over 25 years, the payment would be about $31,805 a month. Most well-qualified borrowers get a lower rate. On a 504 project, the SBA-backed 40% would be fixed at 6.97% (October 2026, 25-year). Try your own numbers.
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 golf course business get an SBA loan?
Yes, if the business is for-profit, meets SBA size standards for NAICS 713910, and can show it can repay. Public, daily-fee golf courses can qualify.
What is the NAICS code for golf courses and country clubs?
NAICS 713910. 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.