How Much Can Asphalt Paving Mixture and Block Manufacturing Businesses Get in SBA Loans?
338 SBA loans totaling $180.5M have been approved for asphalt paving mixture and block manufacturing businesses (NAICS 324121). The average approved SBA loan is $534K, which is 57% above avg the $340K national average. 153 active lenders fund this industry with a 12.4% default rate on the matured 2018-2021 loan cohort.
At 12.4%, Asphalt Paving Mixture and Block Manufacturing sits below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — moderate default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 324121 (Asphalt Paving Mixture and Block Manufacturing) received 338 SBA loans worth $180.5M across 5+ states. Average loan $534K, average term 118 months, 12.4% default rate (resolved-loan basis).153 active SBA-approved lenders fund this industry. Manufacturers (NAICS 31-33) qualify for FY2026 SBA fee waivers and the new MARC revolving credit program. There are approximately 1,397 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Asphalt Paving Mixture and Block Manufacturing?-15% decline
FY2026 Manufacturing Fee Waivers Active
The SBA has waived guaranty fees for manufacturers (NAICS 31-33) through September 30, 2026:
504 loans — all guaranty fees waived for manufacturing
7(a) loans up to $950K — guaranty fee waived
Revolving credit line — manufacturers only (new Oct 2025)
The proposed Made in America Manufacturing Finance Act (H.R. 3174) would double SBA limits to $10M for domestic manufacturers — currently passed House, awaiting Senate vote.
Which SBA Program Do Asphalt Paving Mixture and Block Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Asphalt Paving Mixture and Block Manufacturing?
Versatile funding for working capital, equipment, and expansion — guaranty fee waiver on loans up to $950K in FY2026
Where Are Asphalt Paving Mixture and Block Manufacturing SBA Loans Most Common?
Top SBA Lenders for Asphalt Paving Mixture and Block Manufacturing
These banks have funded the most SBA loans for asphalt paving mixture and block manufacturing businesses (NAICS 324121). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Manufacturers and Traders Trust Company(NY) | 17 | $1.8M |
| 2 | TD Bank, National Association(DE) | 14 | $5.3M |
| 3 | PNC Bank, National Association(DE) | 14 | $1.0M |
| 4 | Wells Fargo Bank National Association(SD) | 13 | $2.9M |
| 5 | The Yellowstone Bank(MT) | 11 | $2.5M |
Asphalt Paving Mixture and Block Manufacturing Industry Context
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How Does SBA Lending Work for Asphalt Paving Mixture and Block Manufacturing Businesses?
Across all SBA loan programs, 338 loans have been approved for businesses classified under NAICS 324121 (Asphalt Paving Mixture and Block Manufacturing), representing $180.5M in total capital deployed. The average approved loan of $534K is 57% above avg the national SBA average of $340K, with typical repayment terms of 118 months.
SBA lending for asphalt paving mixture and block manufacturing has contracted approximately 15% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 153 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 14% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.
As a manufacturing business under NAICS 31-33, you qualify for enhanced SBA incentives through September 30, 2026. The SBA has fully waived guaranty fees on all 504 loans and on 7(a) loans up to $950,000 for manufacturers. Additionally, the MARC (Manufacturers' Access to Revolving Credit) program launched in October 2025, offering up to $5M in revolving credit exclusively for domestic manufacturers — a first for SBA lending.
Frequently Asked Questions — Asphalt Paving Mixture and Block Manufacturing SBA Loans
What is the average SBA loan size for asphalt paving mixture and block manufacturing businesses?
Which SBA loan program is best for a asphalt paving mixture and block manufacturing business?
How many lenders fund SBA loans for asphalt paving mixture and block manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help asphalt paving mixture and block manufacturing businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Asphalt Paving Mixture and Block Manufacturing defined by NAICS code 324121. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.