How Much Can Fabricated Structural Metal Manufacturing Businesses Get in SBA Loans?
2,289 SBA loans totaling $1.2B have been approved for fabricated structural metal manufacturing businesses (NAICS 332312). The average approved SBA loan is $506K, which is 49% above avg the $340K national average. 490 active lenders fund this industry with a 11.2% default rate on the matured 2018-2021 loan cohort.
At 11.2%, Fabricated Structural Metal Manufacturing 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. The capital source prices this risk into rate and structure.
NAICS 332312 (Fabricated Structural Metal Manufacturing) received 2,289 SBA loans worth $1.2B across 5+ states. Average loan $506K, average term 139 months, 11.2% default rate (resolved loan basis).490 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 Fabricated Structural Metal 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 Fabricated Structural Metal Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Fabricated Structural Metal Manufacturing?
Popular for manufacturing equipment and real estate, with 504 fees waived in FY2027
Where Are Fabricated Structural Metal Manufacturing SBA Loans Most Common?
SBA Lending Activity in Fabricated Structural Metal Manufacturing
490 SBA lenders have funded 2,289 loans to fabricated structural metal manufacturing businesses (NAICS 332312). 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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PeerSense sources capital for fabricated structural metal manufacturing businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.
Retainers
Down with SBA 7(a)
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Talk to PeerSense about financing a Fabricated Structural Metal Manufacturing business.
Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.
SBA 7(a) / 504: PeerSense will reach out. No obligation.
How Does SBA Lending Work for Fabricated Structural Metal Manufacturing Businesses?
Across all SBA loan programs, 2,289 loans have been approved for businesses classified under NAICS 332312 (Fabricated Structural Metal Manufacturing), representing $1.2B in total capital deployed. The average approved loan of $506K is 49% above avg the national SBA average of $340K, with typical repayment terms of 139 months.
SBA lending for fabricated structural metal 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 FY2025.
The industry sees a balanced mix of SBA programs, with 19% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.
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: Fabricated Structural Metal Manufacturing SBA Loans
What is the average SBA loan size for fabricated structural metal manufacturing businesses?
Which SBA loan program is best for a fabricated structural metal manufacturing business?
How many lenders fund SBA loans for fabricated structural metal manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help fabricated structural metal manufacturing businesses get SBA loans?
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Data aggregated from SBA loan records (1992 to 2025). Fabricated Structural Metal Manufacturing defined by NAICS code 332312. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.