How Much Can Cookie and Cracker Manufacturing Businesses Get in SBA Loans?
332 SBA loans totaling $115.7M have been approved for cookie and cracker manufacturing businesses (NAICS 311821). The average approved SBA loan is $348K, which is near national avg the $340K national average. 130 active lenders fund this industry with a 13.0% default rate on the matured 2018-2021 loan cohort.
At 13.0%, Cookie and Cracker 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 311821 (Cookie and Cracker Manufacturing) received 332 SBA loans worth $115.7M across 5+ states. Average loan $348K, average term 112 months, 13.0% default rate (resolved-loan basis).130 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 439 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Cookie and Cracker Manufacturing?+70% 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 Cookie and Cracker Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Cookie and Cracker Manufacturing?
Versatile funding for working capital, equipment, and expansion — guaranty fee waiver on loans up to $950K in FY2026
Where Are Cookie and Cracker Manufacturing SBA Loans Most Common?
Top SBA Lenders for Cookie and Cracker Manufacturing
These banks have funded the most SBA loans for cookie and cracker manufacturing businesses (NAICS 311821). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 25 | $9.2M |
| 2 | The Huntington National Bank(OH) | 21 | $4.9M |
| 3 | Bank of America, National Association(NC) | 14 | $1.9M |
| 4 | Eastern Bank(MA) | 12 | $1.5M |
| 5 | Citizens Bank, National Association(RI) | 11 | $330K |
Cookie and Cracker Manufacturing Industry Context
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How Does SBA Lending Work for Cookie and Cracker Manufacturing Businesses?
Across all SBA loan programs, 332 loans have been approved for businesses classified under NAICS 311821 (Cookie and Cracker Manufacturing), representing $115.7M in total capital deployed. The average approved loan of $348K is near national avg the national SBA average of $340K, with typical repayment terms of 112 months.
SBA lending for cookie and cracker manufacturing is accelerating — loan volume has grown approximately 70% 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 9% 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 — Cookie and Cracker Manufacturing SBA Loans
What is the average SBA loan size for cookie and cracker manufacturing businesses?
Which SBA loan program is best for a cookie and cracker manufacturing business?
How many lenders fund SBA loans for cookie and cracker manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help cookie and cracker manufacturing businesses get SBA loans?
Related Manufacturing Industries
Data aggregated from SBA loan records (1992–2025). Cookie and Cracker Manufacturing defined by NAICS code 311821. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.