How Much Can Chocolate and Confectionery Manufacturing from Cacao Beans Businesses Get in SBA Loans?
132 SBA loans totaling $56.8M have been approved for chocolate and confectionery manufacturing from cacao beans businesses (NAICS 311351). The average approved SBA loan is $430K, which is 26% above avg the $340K national average. 68 active lenders fund this industry.
NAICS 311351 (Chocolate and Confectionery Manufacturing from Cacao Beans) received 132 SBA loans worth $56.8M across 5+ states. Average loan $430K, average term 113 months.68 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 280 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Chocolate and Confectionery Manufacturing from Cacao Beans?
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 Chocolate and Confectionery Manufacturing from Cacao Beans Businesses Use Most?
What Is the Best SBA Loan for Chocolate and Confectionery Manufacturing from Cacao Beans?
Versatile funding for working capital, equipment, and expansion — guaranty fee waiver on loans up to $950K in FY2026
Where Are Chocolate and Confectionery Manufacturing from Cacao Beans SBA Loans Most Common?
Top SBA Lenders for Chocolate and Confectionery Manufacturing from Cacao Beans
These banks have funded the most SBA loans for chocolate and confectionery manufacturing from cacao beans businesses (NAICS 311351). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 11 | $1.8M |
| 2 | KeyBank National Association(OH) | 7 | $7.6M |
| 3 | Manufacturers and Traders Trust Company(NY) | 7 | $364K |
| 4 | Wells Fargo Bank National Association(SD) | 5 | $690K |
| 5 | JPMorgan Chase Bank, National Association(OH) | 5 | $814K |
Chocolate and Confectionery Manufacturing from Cacao Beans Industry Context
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How Does SBA Lending Work for Chocolate and Confectionery Manufacturing from Cacao Beans Businesses?
Across all SBA loan programs, 132 loans have been approved for businesses classified under NAICS 311351 (Chocolate and Confectionery Manufacturing from Cacao Beans), representing $56.8M in total capital deployed. The average approved loan of $430K is 26% above avg the national SBA average of $340K, with typical repayment terms of 113 months.
SBA lending for chocolate and confectionery manufacturing from cacao beans has remained relatively stable across recent fiscal years. 68 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The overwhelming majority of SBA lending for chocolate and confectionery manufacturing from cacao beans uses the 7(a) program, which provides the most flexibility — covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.
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 — Chocolate and Confectionery Manufacturing from Cacao Beans SBA Loans
What is the average SBA loan size for chocolate and confectionery manufacturing from cacao beans businesses?
Which SBA loan program is best for a chocolate and confectionery manufacturing from cacao beans business?
How many lenders fund SBA loans for chocolate and confectionery manufacturing from cacao beans?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help chocolate and confectionery manufacturing from cacao beans businesses get SBA loans?
Related Manufacturing Industries
Data aggregated from SBA loan records (1992–2025). Chocolate and Confectionery Manufacturing from Cacao Beans defined by NAICS code 311351. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.