How Much Can Clay Building Material and Refractories Manufacturing Businesses Get in SBA Loans?
33 SBA loans totaling $29.3M have been approved for clay building material and refractories manufacturing businesses (NAICS 327120). The average approved SBA loan is $888K, which is 161% above avg the $340K national average. 27 active lenders fund this industry.
NAICS 327120 (Clay Building Material and Refractories Manufacturing) received 33 SBA loans worth $29.3M across 5+ states. Average loan $888K, average term 142 months.27 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 464 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Clay Building Material and Refractories Manufacturing?-50% 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 Clay Building Material and Refractories Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Clay Building Material and Refractories Manufacturing?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Clay Building Material and Refractories Manufacturing SBA Loans Most Common?
Top SBA Lenders for Clay Building Material and Refractories Manufacturing
These banks have funded the most SBA loans for clay building material and refractories manufacturing businesses (NAICS 327120). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Kennebunk Savings Bank(ME) | 2 | $200K |
| 2 | Citizens Bank & Trust Co(MN) | 2 | $200K |
| 3 | Wells Fargo Bank National Association(SD) | 2 | $10K |
| 4 | JPMorgan Chase Bank, National Association(OH) | 2 | $125K |
| 5 | KeyBank National Association(OH) | 2 | $2.7M |
Clay Building Material and Refractories Manufacturing Industry Context
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How Does SBA Lending Work for Clay Building Material and Refractories Manufacturing Businesses?
Across all SBA loan programs, 33 loans have been approved for businesses classified under NAICS 327120 (Clay Building Material and Refractories Manufacturing), representing $29.3M in total capital deployed. The average approved loan of $888K is 161% above avg the national SBA average of $340K, with typical repayment terms of 142 months.
SBA lending for clay building material and refractories manufacturing has contracted approximately 50% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 27 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 18% 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 — Clay Building Material and Refractories Manufacturing SBA Loans
What is the average SBA loan size for clay building material and refractories manufacturing businesses?
Which SBA loan program is best for a clay building material and refractories manufacturing business?
How many lenders fund SBA loans for clay building material and refractories manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help clay building material and refractories manufacturing businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Clay Building Material and Refractories Manufacturing defined by NAICS code 327120. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.