How Much Can Confectionery Manufacturing from Purchased Chocolate Businesses Get in SBA Loans?
145 SBA loans totaling $71.2M have been approved for confectionery manufacturing from purchased chocolate businesses (NAICS 311352). The average approved SBA loan is $491K, which is 44% above avg the $340K national average. 94 active lenders fund this industry.
NAICS 311352 (Confectionery Manufacturing from Purchased Chocolate) received 145 SBA loans worth $71.2M across 5+ states. Average loan $491K, average term 136 months.94 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 998 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Confectionery Manufacturing from Purchased Chocolate?
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 Confectionery Manufacturing from Purchased Chocolate Businesses Use Most?
What Is the Best SBA Loan for Confectionery Manufacturing from Purchased Chocolate?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Confectionery Manufacturing from Purchased Chocolate SBA Loans Most Common?
Top SBA Lenders for Confectionery Manufacturing from Purchased Chocolate
These banks have funded the most SBA loans for confectionery manufacturing from purchased chocolate businesses (NAICS 311352). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 11 | $2.2M |
| 2 | Manufacturers and Traders Trust Company(NY) | 6 | $2.5M |
| 3 | Newtek Bank, National Association(FL) | 4 | $5.0M |
| 4 | Northeast Bank(ME) | 4 | $419K |
| 5 | First National Bank of Omaha(NE) | 3 | $150K |
Confectionery Manufacturing from Purchased Chocolate Industry Context
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How Does SBA Lending Work for Confectionery Manufacturing from Purchased Chocolate Businesses?
Across all SBA loan programs, 145 loans have been approved for businesses classified under NAICS 311352 (Confectionery Manufacturing from Purchased Chocolate), representing $71.2M in total capital deployed. The average approved loan of $491K is 44% above avg the national SBA average of $340K, with typical repayment terms of 136 months.
SBA lending for confectionery manufacturing from purchased chocolate has remained relatively stable across recent fiscal years. 94 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The industry sees a balanced mix of SBA programs, with 19% 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 — Confectionery Manufacturing from Purchased Chocolate SBA Loans
What is the average SBA loan size for confectionery manufacturing from purchased chocolate businesses?
Which SBA loan program is best for a confectionery manufacturing from purchased chocolate business?
How many lenders fund SBA loans for confectionery manufacturing from purchased chocolate?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help confectionery manufacturing from purchased chocolate businesses get SBA loans?
Related Manufacturing Industries
Data aggregated from SBA loan records (1992–2025). Confectionery Manufacturing from Purchased Chocolate defined by NAICS code 311352. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.