How Much Can Cut Stone and Stone Product Manufacturing Businesses Get in SBA Loans?
1,726 SBA loans totaling $759.1M have been approved for cut stone and stone product manufacturing businesses (NAICS 327991). The average approved SBA loan is $440K, which is 29% above avg the $340K national average. 434 active lenders fund this industry with a 17.2% default rate on the matured 2018-2021 loan cohort.
At 17.2%, Cut Stone and Stone Product Manufacturing 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.
NAICS 327991 (Cut Stone and Stone Product Manufacturing) received 1,726 SBA loans worth $759.1M across 5+ states. Average loan $440K, average term 148 months, 17.2% default rate (resolved loan basis).434 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.
Is SBA Lending Growing for Cut Stone and Stone Product Manufacturing?+49% growth
FY2027 Manufacturing Fee Waivers Active
The SBA has waived both 504 fees for manufacturers in NAICS 31 to 33 through September 30, 2027:
504 loans: all guaranty fees waived for manufacturing
7(a) loans of $700,000 or less: 0% upfront fee for manufacturers
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 Cut Stone and Stone Product Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Cut Stone and Stone Product Manufacturing?
Popular for manufacturing equipment and real estate, with 504 fees waived in FY2027
Where Are Cut Stone and Stone Product Manufacturing SBA Loans Most Common?
SBA Lending Activity in Cut Stone and Stone Product Manufacturing
434 SBA lenders have funded 1,726 loans to cut stone and stone product manufacturing businesses (NAICS 327991). 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.
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How Does SBA Lending Work for Cut Stone and Stone Product Manufacturing Businesses?
Across all SBA loan programs, 1,726 loans have been approved for businesses classified under NAICS 327991 (Cut Stone and Stone Product Manufacturing), representing $759.1M in total capital deployed. The average approved loan of $440K is 29% above avg the national SBA average of $340K, with typical repayment terms of 148 months.
SBA lending for cut stone and stone product manufacturing is accelerating. Loan volume has grown approximately 49% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2016.
Notably, 21% of SBA loans in this industry use the 504 program (well above the national average), indicating that cut stone and stone product manufacturing 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.
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.
Frequently Asked Questions: Cut Stone and Stone Product Manufacturing SBA Loans
What is the average SBA loan size for cut stone and stone product manufacturing businesses?
Which SBA loan program is best for a cut stone and stone product manufacturing business?
How many lenders fund SBA loans for cut stone and stone product manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help cut stone and stone product manufacturing businesses get SBA loans?
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Data aggregated from SBA loan records (1992 to 2025). Cut Stone and Stone Product Manufacturing defined by NAICS code 327991. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.