How Much Can Coffee and Tea Manufacturing Businesses Get in SBA Loans?
1,016 SBA loans totaling $308.6M have been approved for coffee and tea manufacturing businesses (NAICS 311920). The average approved SBA loan is $304K, which is 11% below avg the $340K national average. 310 active lenders fund this industry with a 10.0% default rate on the matured 2018-2021 loan cohort.
At 10.0%, Coffee and Tea 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 311920 (Coffee and Tea Manufacturing) received 1,016 SBA loans worth $308.6M across 5+ states. Average loan $304K, average term 120 months, 10.0% default rate (resolved loan basis).310 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 1,090 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Coffee and Tea Manufacturing?+28% growth
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 Coffee and Tea Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Coffee and Tea Manufacturing?
Versatile funding for working capital, equipment, and expansion. 7(a) upfront fee is 0% for qualifying manufacturers on loans of $700,000 or less in FY2027
Where Are Coffee and Tea Manufacturing SBA Loans Most Common?
SBA Lending Activity in Coffee and Tea Manufacturing
310 SBA lenders have funded 1,016 loans to coffee and tea manufacturing businesses (NAICS 311920). 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.
Coffee and Tea Manufacturing Industry Context
Talk to PeerSense
PeerSense sources capital for coffee and tea 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 Coffee and Tea 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 Coffee and Tea Manufacturing Businesses?
Across all SBA loan programs, 1,016 loans have been approved for businesses classified under NAICS 311920 (Coffee and Tea Manufacturing), representing $308.6M in total capital deployed. The average approved loan of $304K is 11% below avg the national SBA average of $340K, with typical repayment terms of 120 months.
SBA lending for coffee and tea manufacturing is accelerating. Loan volume has grown approximately 28% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2024.
The industry sees a balanced mix of SBA programs, with 10% 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 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: Coffee and Tea Manufacturing SBA Loans
What is the average SBA loan size for coffee and tea manufacturing businesses?
Which SBA loan program is best for a coffee and tea manufacturing business?
How many lenders fund SBA loans for coffee and tea manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help coffee and tea manufacturing businesses get SBA loans?
Related Manufacturing Industries
Data aggregated from SBA loan records (1992 to 2025). Coffee and Tea Manufacturing defined by NAICS code 311920. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.