What is the SBA loan default rate for Breweries?

At 6.0%, Breweries sits well below the 15.4% all industry SBA default rate (charged off as a share of resolved loans), low default risk relative to other SBA industries. The rate is measured on the resolved loans (paid in full or charged off), loans that have reached a final outcome. 799 lenders actively fund this industry.

Which SBA program is best for Breweries?

The SBA 7(a) program is the most commonly used for Breweries businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 312120ManufacturingFY2027 Fee Waivers

How Much Can Breweries Businesses Get in SBA Loans?

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Telephone: +13174526990
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4,499 SBA loans totaling $2.4B have been approved for breweries businesses (NAICS 312120). The average approved SBA loan is $522K, which is 53% above avg the $340K national average. 799 active lenders fund this industry with a 6.0% default rate on the matured 2018-2021 loan cohort.

Low default risk6.0% vs 15.4% all industry avg

At 6.0%, Breweries sits well below the 15.4% all industry SBA default rate (charged off as a share of resolved loans), low default risk relative to other SBA industries. The capital source prices this risk into rate and structure.

Quick Answer

NAICS 312120 (Breweries) received 4,499 SBA loans worth $2.4B across 5+ states. Average loan $522K, average term 141 months, 6.0% default rate (resolved loan basis).799 active SBA approved lenders fund this industry.Manufacturers in NAICS 31 to 33 qualify for FY2027 SBA fee terms and can access the MARC revolving credit program.

4,499

Total SBA Loans

$2.4B

Total Volume

$522K

Avg Loan Size

53% above avg

799

Active Lenders

141 mo

Avg Term

8% above avg

55,435

Jobs Supported

Is SBA Lending Growing for Breweries?-30% decline

461

432

395

339

276

334

266

241

173

169

$216.8M

$187.7M

$180.1M

$166.0M

$156.3M

$243.8M

$189.6M

$175.2M

$105.6M

$121.2M

FY2027 Manufacturing Fee Waivers Active

The SBA has waived both 504 fees for manufacturers in NAICS 31 to 33 through September 30, 2027:

$0 Fees

504 loans: all guaranty fees waived for manufacturing

$0 Fees

7(a) loans of $700,000 or less: 0% upfront fee for manufacturers

$5M MARC

Revolving credit line: manufacturers only, launched 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 Breweries Businesses Use Most?

SBA 7(a)3,768 (84%)

SBA 504731 (16%)

What Is the Best SBA Loan for Breweries?

SBA 504

Popular for manufacturing equipment and real estate, with 504 fees waived in FY2027

Industry avg loan: $522K

Typical term: 141 months

Historical avg rate: 6.79%

799+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 6.0%

Where Are Breweries SBA Loans Most Common?

387 loans

$247.6M

274 loans

$94.6M

250 loans

$122.1M

242 loans

$106.5M

218 loans

$98.4M

SBA Lending Activity in Breweries

799 SBA lenders have funded 4,499 loans to breweries businesses (NAICS 312120). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.

Loans funded

4,499

Active lenders

799

Total volume

$2.4B

Avg loan size

$522K

Browse all SBA lenders

Breweries Industry Context

U.S. Employment

12,573,000

BLS · 2026

Talk to PeerSense

PeerSense sources capital for breweries businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Breweries business.

Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.

SBA 7(a) / 504: PeerSense will reach out. No obligation.

How big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

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How Does SBA Lending Work for Breweries Businesses?

Across all SBA loan programs, 4,499 loans have been approved for businesses classified under NAICS 312120 (Breweries), representing $2.4B in total capital deployed. The average approved loan of $522K is 53% above avg the national SBA average of $340K, with typical repayment terms of 141 months.

SBA lending for breweries has contracted approximately 30% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 799 lenders remain active, maintaining competitive options for qualified borrowers.

The industry sees a balanced mix of SBA programs, with 16% 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 to 33, you qualify for FY2027 SBA fee terms through September 30, 2027. For manufacturers, the SBA has waived the 504 upfront guaranty fee and annual service fee, and the 7(a) upfront fee is 0% on loans of $700,000 or less. 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.

SBA Loan Guide SBA Calculator SBA Lender Directory Industry Data Hub Current SBA Rates Contact Us MARC Program

Frequently Asked Questions: Breweries SBA Loans

What is the average SBA loan size for breweries businesses?

Based on 4,499 approved SBA loans, the average loan size for breweries (NAICS 312120) is $522K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a breweries business?

SBA 504 is the most commonly used SBA program for breweries businesses. Popular for manufacturing equipment and real estate, with 504 fees waived in FY2027. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for breweries?

799 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a breweries file.

Are there SBA fee waivers for manufacturing businesses in 2026?

Yes. In FY2027, the SBA has waived both 504 fees for manufacturers, including debt refinance with or without expansion. The upfront 7(a) fee is also 0% for manufacturers on loans of $700,000 or less. The MARC program offers revolving credit up to $5M for manufacturers.

How does PeerSense help breweries businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a breweries file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Manufacturing Industries

Retail Bakeries

Commercial Bakeries

Wineries

All Other Miscellaneous Food Manufacturing

1,481 loans · N/A

Avg: $634K

Coffee and Tea Manufacturing

1,016 loans · N/A

Avg: $304K

Ice Cream and Frozen Dessert Manufacturing

848 loans · N/A

Avg: $318K

Data aggregated from SBA loan records (1992 to 2025). Breweries defined by NAICS code 312120. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.