How Much Can Breweries Businesses Get in SBA Loans?
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 3.1% historical default rate.
NAICS 312120 (Breweries) received 4,499 SBA loans worth $2.4B across 5+ states. Average loan $522K, average term 141 months, default rate 3.1%.799 active SBA-approved lenders fund this industry. Manufacturers (NAICS 31-33) qualify for FY2026 SBA fee waivers and the new MARC revolving credit program.
Is SBA Lending Growing for Breweries?-30% 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 Breweries Businesses Use Most?
What Is the Best SBA Loan for Breweries?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Breweries SBA Loans Most Common?
Top SBA Lenders for Breweries
These banks have funded the most SBA loans for breweries businesses (NAICS 312120). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 224 | $69.5M |
| 2 | Manufacturers and Traders Trust Company(NY) | 166 | $29.9M |
| 3 | Live Oak Banking Company(NC) | 158 | $184.0M |
| 4 | JPMorgan Chase Bank, National Association(OH) | 125 | $32.2M |
| 5 | Wells Fargo Bank National Association(SD) | 109 | $45.4M |
Breweries Industry Context
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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 31-33, 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 — Breweries SBA Loans
What is the average SBA loan size for breweries businesses?
Which SBA loan program is best for a breweries business?
How many lenders fund SBA loans for breweries?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help breweries businesses get SBA loans?
Related Manufacturing Industries
Retail Bakeries
Commercial Bakeries
Wineries
All Other Miscellaneous Food Manufacturing
Coffee and Tea Manufacturing
Ice Cream and Frozen Dessert Manufacturing
Data aggregated from SBA loan records (1992–2025). Breweries defined by NAICS code 312120. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.