How Much Can Dairy Cattle and Milk Production Businesses Get in SBA Loans?
609 SBA loans totaling $418.5M have been approved for dairy cattle and milk production businesses (NAICS 112120). The average approved SBA loan is $687K, which is 102% above avg the $340K national average. 162 active lenders fund this industry with a 9.2% default rate on the matured 2018-2021 loan cohort.
At 9.2%, Dairy Cattle and Milk Production sits well below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — low 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 112120 (Dairy Cattle and Milk Production) received 609 SBA loans worth $418.5M across 5+ states. Average loan $687K, average term 163 months, 9.2% default rate (resolved-loan basis).162 active SBA-approved lenders fund this industry. Most dairy cattle and milk production loans use the SBA 504 program. There are approximately 23,332 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Dairy Cattle and Milk Production?-41% decline
Which SBA Program Do Dairy Cattle and Milk Production Businesses Use Most?
What Is the Best SBA Loan for Dairy Cattle and Milk Production?
37% of dairy cattle and milk production loans use this program — ideal for real estate and major equipment purchases
Where Are Dairy Cattle and Milk Production SBA Loans Most Common?
Top SBA Lenders for Dairy Cattle and Milk Production
These banks have funded the most SBA loans for dairy cattle and milk production businesses (NAICS 112120). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | WBD, Inc.(WI) | 83 | $96.4M |
| 2 | Hiawatha National Bank(WI) | 41 | $21.3M |
| 3 | Manufacturers and Traders Trust Company(NY) | 33 | $5.2M |
| 4 | Minnesota Business Finance Cor(MN) | 21 | $13.7M |
| 5 | Siouxland Economic Development(IA) | 17 | $13.8M |
Dairy Cattle and Milk Production Industry Context
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How Does SBA Lending Work for Dairy Cattle and Milk Production Businesses?
Across all SBA loan programs, 609 loans have been approved for businesses classified under NAICS 112120 (Dairy Cattle and Milk Production), representing $418.5M in total capital deployed. The average approved loan of $687K is 102% above avg the national SBA average of $340K, with typical repayment terms of 163 months.
SBA lending for dairy cattle and milk production has contracted approximately 41% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 162 lenders remain active, maintaining competitive options for qualified borrowers.
Notably, 37% of SBA loans in this industry use the 504 program — well above the national average — indicating that dairy cattle and milk production 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 dairy cattle and milk production 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 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Dairy Cattle and Milk Production SBA Loans
What is the average SBA loan size for dairy cattle and milk production businesses?
Which SBA loan program is best for a dairy cattle and milk production business?
How many lenders fund SBA loans for dairy cattle and milk production?
What states have the most SBA lending for dairy cattle and milk production?
How does PeerSense help dairy cattle and milk production businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Dairy Cattle and Milk Production defined by NAICS code 112120. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.