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 5.7% historical default rate.
NAICS 311920 (Coffee and Tea Manufacturing) received 1,016 SBA loans worth $308.6M across 5+ states. Average loan $304K, average term 120 months, default rate 5.7%.310 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 1,090 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Coffee and Tea Manufacturing?+28% growth
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 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 — guaranty fee waiver on loans up to $950K in FY2026
Where Are Coffee and Tea Manufacturing SBA Loans Most Common?
Top SBA Lenders for Coffee and Tea Manufacturing
These banks have funded the most SBA loans for coffee and tea manufacturing businesses (NAICS 311920). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 52 | $6.4M |
| 2 | U.S. Bank, National Association(OH) | 38 | $8.7M |
| 3 | Manufacturers and Traders Trust Company(NY) | 30 | $3.1M |
| 4 | TD Bank, National Association(DE) | 29 | $10.7M |
| 5 | Bank of America, National Association(NC) | 28 | $3.7M |
Coffee and Tea Manufacturing Industry Context
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Retainers
Down with SBA 7(a)
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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 31-33, 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 — 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 (1992–2025). Coffee and Tea Manufacturing defined by NAICS code 311920. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.