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NAICS 311812ManufacturingFY2027 Fee WaiversLending Growing

How Much Can Commercial Bakeries Businesses Get in SBA Loans?

2,910 SBA loans totaling $1.1B have been approved for commercial bakeries businesses (NAICS 311812). The average approved SBA loan is $387K, which is 14% above avg the $340K national average. 611 active lenders fund this industry with a 16.6% default rate on the matured 2018-2021 loan cohort.

Above average default risk16.6% vs 15.4% all industry avg

At 16.6%, Commercial Bakeries sits above the 15.4% all industry SBA default rate (charged off as a share of resolved loans), above average default risk relative to other SBA industries. The capital source prices this risk into rate and structure.

Quick Answer

NAICS 311812 (Commercial Bakeries) received 2,910 SBA loans worth $1.1B across 5+ states. Average loan $387K, average term 126 months, 16.6% default rate (resolved loan basis).611 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.

2,910
Total SBA Loans
$1.1B
Total Volume
$387K
Avg Loan Size
14% above avg
611
Active Lenders
126 mo
Avg Term
3% below avg
41,881
Jobs Supported

Is SBA Lending Growing for Commercial Bakeries?+37% growth

111
77
97
71
50
60
59
67
61
92
16
17
18
19
20
21
22
23
24
25
$44.1M
$37.9M
$48.2M
$41.0M
$43.6M
$35.7M
$41.0M
$53.0M
$40.9M
$49.1M

FY2027 Manufacturing Fee Waivers Active

The SBA has waived both 504 fees for manufacturers in NAICS 31 to 33 through September 30, 2027:

$0 Fees

504 loans: all guaranty fees waived for manufacturing

$0 Fees

7(a) loans of $700,000 or less: 0% upfront fee for manufacturers

$5M MARC

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 Commercial Bakeries Businesses Use Most?

SBA 7(a)2,517 (86%)
SBA 504393 (14%)

What Is the Best SBA Loan for Commercial Bakeries?

SBA 7(a)

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

Industry avg loan: $387K
Typical term: 126 months
Historical avg rate: 6.99%
611+ lenders active in this industry
Default rate (2018 to 21 matured cohort): 16.6%

Where Are Commercial Bakeries SBA Loans Most Common?

#1
CA
437 loans
$272.3M
#2
NY
251 loans
$90.3M
#3
TX
151 loans
$39.6M
#4
FL
142 loans
$78.4M
#5
MA
117 loans
$41.7M

SBA Lending Activity in Commercial Bakeries

611 SBA lenders have funded 2,910 loans to commercial bakeries businesses (NAICS 311812). 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.

Loans funded
2,910
Active lenders
611
Total volume
$1.1B
Avg loan size
$387K
Browse all SBA lenders

Talk to PeerSense

PeerSense sources capital for commercial bakeries businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

$0

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Commercial Bakeries 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 big is your deal?
Where are you in the deal?
Equity or down payment ready
Credit score
Timeline to close
SBA already on the books?
What best describes your company
Liquid funds available outside this deal

Referral fee realized at closing · Or call (317) 452 6990

How Does SBA Lending Work for Commercial Bakeries Businesses?

Across all SBA loan programs, 2,910 loans have been approved for businesses classified under NAICS 311812 (Commercial Bakeries), representing $1.1B in total capital deployed. The average approved loan of $387K is 14% above avg the national SBA average of $340K, with typical repayment terms of 126 months.

SBA lending for commercial bakeries is accelerating. Loan volume has grown approximately 37% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2016.

The industry sees a balanced mix of SBA programs, with 14% 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.

SBA Loan Guide SBA Calculator SBA Lender Directory Industry Data Hub Current SBA Rates Contact Us MARC Program

Frequently Asked Questions: Commercial Bakeries SBA Loans

What is the average SBA loan size for commercial bakeries businesses?
Based on 2,910 approved SBA loans, the average loan size for commercial bakeries (NAICS 311812) is $387K. This compares to the national SBA average of $340K across all industries.
Which SBA loan program is best for a commercial bakeries business?
SBA 7(a) is the most commonly used SBA program for commercial bakeries businesses. 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. PeerSense can analyze your specific deal to determine the optimal program.
How many lenders fund SBA loans for commercial bakeries?
611 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a commercial bakeries file.
Are there SBA fee waivers for manufacturing businesses in 2026?
Yes. In FY2027, the SBA has waived both 504 fees for manufacturers, including debt refinance with or without expansion. The upfront 7(a) fee is also 0% for manufacturers on loans of $700,000 or less. The MARC program offers revolving credit up to $5M for manufacturers.
How does PeerSense help commercial bakeries businesses get SBA loans?
PeerSense is a capital advisory firm. Talk to PeerSense about a commercial bakeries file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Manufacturing Industries

Breweries

4,499 loans · N/A
Avg: $522K

Retail Bakeries

4,207 loans · N/A
Avg: $287K

Wineries

1,521 loans · N/A
Avg: $523K

All Other Miscellaneous Food Manufacturing

1,481 loans · N/A
Avg: $634K

Coffee and Tea Manufacturing

1,016 loans · N/A
Avg: $304K

Ice Cream and Frozen Dessert Manufacturing

848 loans · N/A
Avg: $318K

Data aggregated from SBA loan records (1992 to 2025). Commercial Bakeries defined by NAICS code 311812. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.