How Much Can Coated and Laminated Paper Manufacturing Businesses Get in SBA Loans?
182 SBA loans totaling $79.6M have been approved for coated and laminated paper manufacturing businesses (NAICS 322222). The average approved SBA loan is $437K, which is 28% above avg the $340K national average. 97 active lenders fund this industry with a 13.2% default rate on the matured 2018-2021 loan cohort.
At 13.2%, Coated and Laminated Paper Manufacturing sits below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — moderate default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 322222 (Coated and Laminated Paper Manufacturing) received 182 SBA loans worth $79.6M across 5+ states. Average loan $437K, average term 133 months, 13.2% default rate (resolved-loan basis).97 active SBA-approved lenders fund this industry. Manufacturers (NAICS 31-33) qualify for FY2026 SBA fee waivers and the new MARC revolving credit program.
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 Coated and Laminated Paper Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Coated and Laminated Paper Manufacturing?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Coated and Laminated Paper Manufacturing SBA Loans Most Common?
Top SBA Lenders for Coated and Laminated Paper Manufacturing
These banks have funded the most SBA loans for coated and laminated paper manufacturing businesses (NAICS 322222). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association(OH) | 11 | $2.9M |
| 2 | Wells Fargo Bank National Association(SD) | 11 | $6.3M |
| 3 | Capital One, National Association(VA) | 5 | $225K |
| 4 | U.S. Bank, National Association(OH) | 5 | $2.3M |
| 5 | WBD, Inc.(WI) | 4 | $2.8M |
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How Does SBA Lending Work for Coated and Laminated Paper Manufacturing Businesses?
Across all SBA loan programs, 182 loans have been approved for businesses classified under NAICS 322222 (Coated and Laminated Paper Manufacturing), representing $79.6M in total capital deployed. The average approved loan of $437K is 28% above avg the national SBA average of $340K, with typical repayment terms of 133 months.
SBA lending for coated and laminated paper manufacturing has remained relatively stable across recent fiscal years. 97 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
Notably, 27% of SBA loans in this industry use the 504 program — well above the national average — indicating that coated and laminated paper 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 31-33, 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 — Coated and Laminated Paper Manufacturing SBA Loans
What is the average SBA loan size for coated and laminated paper manufacturing businesses?
Which SBA loan program is best for a coated and laminated paper manufacturing business?
How many lenders fund SBA loans for coated and laminated paper manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help coated and laminated paper manufacturing businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Coated and Laminated Paper Manufacturing defined by NAICS code 322222. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.