How Much Can Electroplating, Plating, Polishing, Anodizing, and Coloring Businesses Get in SBA Loans?
1,411 SBA loans totaling $622.8M have been approved for electroplating, plating, polishing, anodizing, and coloring businesses (NAICS 332813). The average approved SBA loan is $441K, which is 30% above avg the $340K national average. 358 active lenders fund this industry with a 13.4% default rate on the matured 2018-2021 loan cohort.
At 13.4%, Electroplating, Plating, Polishing, Anodizing, and Coloring 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 332813 (Electroplating, Plating, Polishing, Anodizing, and Coloring) received 1,411 SBA loans worth $622.8M across 5+ states. Average loan $441K, average term 147 months, 13.4% default rate (resolved-loan basis).358 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 2,005 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Electroplating, Plating, Polishing, Anodizing, and Coloring?+88% 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 Electroplating, Plating, Polishing, Anodizing, and Coloring Businesses Use Most?
What Is the Best SBA Loan for Electroplating, Plating, Polishing, Anodizing, and Coloring?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Electroplating, Plating, Polishing, Anodizing, and Coloring SBA Loans Most Common?
Top SBA Lenders for Electroplating, Plating, Polishing, Anodizing, and Coloring
These banks have funded the most SBA loans for electroplating, plating, polishing, anodizing, and coloring businesses (NAICS 332813). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 83 | $38.6M |
| 2 | U.S. Bank, National Association(OH) | 59 | $30.8M |
| 3 | Bank of America, National Association(NC) | 50 | $8.7M |
| 4 | The Huntington National Bank(OH) | 44 | $19.3M |
| 5 | Citizens Bank, National Association(RI) | 32 | $3.1M |
Electroplating, Plating, Polishing, Anodizing, and Coloring Industry Context
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How Does SBA Lending Work for Electroplating, Plating, Polishing, Anodizing, and Coloring Businesses?
Across all SBA loan programs, 1,411 loans have been approved for businesses classified under NAICS 332813 (Electroplating, Plating, Polishing, Anodizing, and Coloring), representing $622.8M in total capital deployed. The average approved loan of $441K is 30% above avg the national SBA average of $340K, with typical repayment terms of 147 months.
SBA lending for electroplating, plating, polishing, anodizing, and coloring is accelerating — loan volume has grown approximately 88% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2017.
Notably, 21% of SBA loans in this industry use the 504 program — well above the national average — indicating that electroplating, plating, polishing, anodizing, and coloring 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 31-33, 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 — Electroplating, Plating, Polishing, Anodizing, and Coloring SBA Loans
What is the average SBA loan size for electroplating, plating, polishing, anodizing, and coloring businesses?
Which SBA loan program is best for a electroplating, plating, polishing, anodizing, and coloring business?
How many lenders fund SBA loans for electroplating, plating, polishing, anodizing, and coloring?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help electroplating, plating, polishing, anodizing, and coloring businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Electroplating, Plating, Polishing, Anodizing, and Coloring defined by NAICS code 332813. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.