How Much Can Cheese Manufacturing Businesses Get in SBA Loans?
279 SBA loans totaling $159.6M have been approved for cheese manufacturing businesses (NAICS 311513). The average approved SBA loan is $572K, which is 68% above avg the $340K national average. 127 active lenders fund this industry with a 4.7% default rate on the matured 2018-2021 loan cohort.
At 4.7%, Cheese Manufacturing 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.
NAICS 311513 (Cheese Manufacturing) received 279 SBA loans worth $159.6M across 5+ states. Average loan $572K, average term 147 months, 4.7% default rate (resolved loan basis).127 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. There are approximately 579 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Cheese Manufacturing?
FY2027 Manufacturing Fee Waivers Active
The SBA has waived both 504 fees for manufacturers in NAICS 31 to 33 through September 30, 2027:
504 loans: all guaranty fees waived for manufacturing
7(a) loans of $700,000 or less: 0% upfront fee for manufacturers
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 Cheese Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Cheese Manufacturing?
Popular for manufacturing equipment and real estate, with 504 fees waived in FY2027
Where Are Cheese Manufacturing SBA Loans Most Common?
SBA Lending Activity in Cheese Manufacturing
127 SBA lenders have funded 279 loans to cheese manufacturing businesses (NAICS 311513). 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.
Cheese Manufacturing Industry Context
Talk to PeerSense
PeerSense sources capital for cheese manufacturing businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Talk to PeerSense about financing a Cheese Manufacturing 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 Does SBA Lending Work for Cheese Manufacturing Businesses?
Across all SBA loan programs, 279 loans have been approved for businesses classified under NAICS 311513 (Cheese Manufacturing), representing $159.6M in total capital deployed. The average approved loan of $572K is 68% above avg the national SBA average of $340K, with typical repayment terms of 147 months.
SBA lending for cheese manufacturing has remained relatively stable across recent fiscal years. 127 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
Notably, 20% of SBA loans in this industry use the 504 program (well above the national average), indicating that cheese manufacturing businesses frequently finance major fixed assets like real estate, heavy equipment, or facility buildouts. The 504 program offers up to $5.5M with below market fixed rates and only 10% down from the borrower.
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.
Frequently Asked Questions: Cheese Manufacturing SBA Loans
What is the average SBA loan size for cheese manufacturing businesses?
Which SBA loan program is best for a cheese manufacturing business?
How many lenders fund SBA loans for cheese manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help cheese manufacturing businesses get SBA loans?
Related Manufacturing Industries
Data aggregated from SBA loan records (1992 to 2025). Cheese Manufacturing defined by NAICS code 311513. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.