How Much Can Cotton Farming Businesses Get in SBA Loans?
26 SBA loans totaling $7.2M have been approved for cotton farming businesses (NAICS 111920). The average approved SBA loan is $277K, which is 19% below avg the $340K national average. 15 active lenders fund this industry.
NAICS 111920 (Cotton Farming) received 26 SBA loans worth $7.2M across 5+ states. Average loan $277K, average term 97 months.15 active SBA-approved lenders fund this industry. Most cotton farming loans use the SBA 7(a) program. There are approximately 23,332 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Cotton Farming?-50% decline
Which SBA Program Do Cotton Farming Businesses Use Most?
What Is the Best SBA Loan for Cotton Farming?
The most widely used SBA program for cotton farming businesses — flexible terms, multiple use cases
Where Are Cotton Farming SBA Loans Most Common?
Top SBA Lenders for Cotton Farming
These banks have funded the most SBA loans for cotton farming businesses (NAICS 111920). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Loans from Old Closed Lenders(DC) | 4 | $1.3M |
| 2 | Capital One, National Association(VA) | 3 | $783K |
| 3 | Wells Fargo Bank National Association(SD) | 3 | $760K |
| 4 | PNC Bank, National Association(DE) | 3 | $270K |
| 5 | Pineland Bank(GA) | 2 | $1.2M |
Cotton Farming Industry Context
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PeerSense places SBA loans for cotton farming businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
Retainers
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How Does SBA Lending Work for Cotton Farming Businesses?
Across all SBA loan programs, 26 loans have been approved for businesses classified under NAICS 111920 (Cotton Farming), representing $7.2M in total capital deployed. The average approved loan of $277K is 19% below avg the national SBA average of $340K, with typical repayment terms of 97 months.
SBA lending for cotton farming has contracted approximately 50% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 15 lenders remain active, maintaining competitive options for qualified borrowers.
The overwhelming majority of SBA lending for cotton farming uses the 7(a) program, which provides the most flexibility — covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.
PeerSense specializes in matching cotton farming business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 100+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Cotton Farming SBA Loans
What is the average SBA loan size for cotton farming businesses?
Which SBA loan program is best for a cotton farming business?
How many lenders fund SBA loans for cotton farming?
What states have the most SBA lending for cotton farming?
How does PeerSense help cotton farming businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Cotton Farming defined by NAICS code 111920. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.