How Much Can Cotton Ginning Businesses Get in SBA Loans?
46 SBA loans totaling $28.8M have been approved for cotton ginning businesses (NAICS 115111). The average approved SBA loan is $626K, which is 84% above avg the $340K national average. 35 active lenders fund this industry.
NAICS 115111 (Cotton Ginning) received 46 SBA loans worth $28.8M across 5+ states. Average loan $626K, average term 153 months.35 active SBA-approved lenders fund this industry. Most cotton ginning loans use the SBA 504 program. There are approximately 186 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Cotton Ginning?-67% decline
Which SBA Program Do Cotton Ginning Businesses Use Most?
What Is the Best SBA Loan for Cotton Ginning?
30% of cotton ginning loans use this program — ideal for real estate and major equipment purchases
Where Are Cotton Ginning SBA Loans Most Common?
Top SBA Lenders for Cotton Ginning
These banks have funded the most SBA loans for cotton ginning businesses (NAICS 115111). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Prosperity Bank(TX) | 4 | $911K |
| 2 | Crater Development Company(VA) | 3 | $1.8M |
| 3 | Regions Bank(AL) | 2 | $1.9M |
| 4 | GE Capital Small Business Finance Corporation(TX) | 2 | $1.4M |
| 5 | Simmons Bank(AR) | 2 | $1.8M |
Cotton Ginning Industry Context
Ready to Fund Your Cotton Ginning Business?
PeerSense places SBA loans for cotton ginning businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Financing a Cotton Ginning business? Get matched to an SBA lender.
Tell us your loan amount and use of funds. We route you to the lender most likely to fund a deal in your industry.
SBA 7(a) / 504 — Response within 4 business hours. No obligation.
How Does SBA Lending Work for Cotton Ginning Businesses?
Across all SBA loan programs, 46 loans have been approved for businesses classified under NAICS 115111 (Cotton Ginning), representing $28.8M in total capital deployed. The average approved loan of $626K is 84% above avg the national SBA average of $340K, with typical repayment terms of 153 months.
SBA lending for cotton ginning has contracted approximately 67% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 35 lenders remain active, maintaining competitive options for qualified borrowers.
Notably, 30% of SBA loans in this industry use the 504 program — well above the national average — indicating that cotton ginning businesses frequently finance major fixed assets like real estate, heavy equipment, or facility buildouts. The 504 program offers up to $5.5M with below-market fixed rates and only 10% down from the borrower.
PeerSense specializes in matching cotton ginning 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 Ginning SBA Loans
What is the average SBA loan size for cotton ginning businesses?
Which SBA loan program is best for a cotton ginning business?
How many lenders fund SBA loans for cotton ginning?
What states have the most SBA lending for cotton ginning?
How does PeerSense help cotton ginning businesses get SBA loans?
Related Agriculture, Forestry & Fishing Industries
Broilers and Other Meat Type
Logging
Support Activities for Animal Production
Chicken Egg Production
Soil Preparation, Planting, and Cultivating
Beef Cattle Ranching and Farming
Data aggregated from SBA loan records (1992–2025). Cotton Ginning defined by NAICS code 115111. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.