What is the SBA loan default rate for Fats and Oils Refining and Blending?

33 lenders actively fund Fats and Oils Refining and Blending. A reliable default rate is shown only for industries with a large enough matured loan cohort; this one is below that threshold, so we do not publish a figure that would mislead.

Which SBA program is best for Fats and Oils Refining and Blending?

The SBA 7(a) program is the most commonly used for Fats and Oils Refining and Blending businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 311225ManufacturingFY2027 Fee Waivers

How Much Can Fats and Oils Refining and Blending Businesses Get in SBA Loans?

Name: PeerSense
Address: Westfield, Westfield, IN, 46074, US
Telephone: +13174526990
Price range: Referral fee at closing

48 SBA loans totaling $23.9M have been approved for fats and oils refining and blending businesses (NAICS 311225). The average approved SBA loan is $498K, which is 46% above avg the $340K national average. 33 active lenders fund this industry.

Quick Answer

NAICS 311225 (Fats and Oils Refining and Blending) received 48 SBA loans worth $23.9M across 5+ states. Average loan $498K, average term 129 months.33 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. There are approximately 118 U.S. establishments in this industry (Census 2022).

Total SBA Loans

$23.9M

Total Volume

$498K

Avg Loan Size

46% above avg

Active Lenders

129 mo

Avg Term

near national avg

437

Jobs Supported

Is SBA Lending Growing for Fats and Oils Refining and Blending?

$405K

$2.2M

$1.4M

$1.1M

$568K

$215K

$214K

$3.0M

FY2027 Manufacturing Fee Waivers Active

The SBA has waived both 504 fees for manufacturers in NAICS 31 to 33 through September 30, 2027:

$0 Fees

504 loans: all guaranty fees waived for manufacturing

$0 Fees

7(a) loans of $700,000 or less: 0% upfront fee for manufacturers

$5M MARC

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 Fats and Oils Refining and Blending Businesses Use Most?

SBA 7(a)43 (90%)

SBA 5045 (10%)

What Is the Best SBA Loan for Fats and Oils Refining and Blending?

SBA 7(a)

Versatile funding for working capital, equipment, and expansion. 7(a) upfront fee is 0% for qualifying manufacturers on loans of $700,000 or less in FY2027

Industry avg loan: $498K

Typical term: 129 months

Historical avg rate: 6.43%

33+ lenders active in this industry

Where Are Fats and Oils Refining and Blending SBA Loans Most Common?

8 loans

$4.9M

5 loans

$300K

4 loans

$4.5M

3 loans

$1.2M

3 loans

$308K

SBA Lending Activity in Fats and Oils Refining and Blending

33 SBA lenders have funded 48 loans to fats and oils refining and blending businesses (NAICS 311225). 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.

Loans funded

Active lenders

Total volume

$23.9M

Avg loan size

$498K

Browse all SBA lenders

Fats and Oils Refining and Blending Industry Context

U.S. Establishments

118

U.S. Census Bureau · 2022

SBA Penetration

40.68%

SBA loans per establishment

Talk to PeerSense

PeerSense sources capital for fats and oils refining and blending businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Fats and Oils Refining and Blending 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 big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

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Referral fee realized at closing · Or call (317) 452 6990

How Does SBA Lending Work for Fats and Oils Refining and Blending Businesses?

Across all SBA loan programs, 48 loans have been approved for businesses classified under NAICS 311225 (Fats and Oils Refining and Blending), representing $23.9M in total capital deployed. The average approved loan of $498K is 46% above avg the national SBA average of $340K, with typical repayment terms of 129 months.

SBA lending for fats and oils refining and blending has remained relatively stable across recent fiscal years. 33 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.

The industry sees a balanced mix of SBA programs, with 10% 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.

SBA Loan Guide SBA Calculator SBA Lender Directory Industry Data Hub Current SBA Rates Contact Us MARC Program

Frequently Asked Questions: Fats and Oils Refining and Blending SBA Loans

What is the average SBA loan size for fats and oils refining and blending businesses?

Based on 48 approved SBA loans, the average loan size for fats and oils refining and blending (NAICS 311225) is $498K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a fats and oils refining and blending business?

SBA 7(a) is the most commonly used SBA program for fats and oils refining and blending businesses. Versatile funding for working capital, equipment, and expansion. 7(a) upfront fee is 0% for qualifying manufacturers on loans of $700,000 or less in FY2027. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for fats and oils refining and blending?

33 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a fats and oils refining and blending file.

Are there SBA fee waivers for manufacturing businesses in 2026?

Yes. In FY2027, the SBA has waived both 504 fees for manufacturers, including debt refinance with or without expansion. The upfront 7(a) fee is also 0% for manufacturers on loans of $700,000 or less. The MARC program offers revolving credit up to $5M for manufacturers.

How does PeerSense help fats and oils refining and blending businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a fats and oils refining and blending file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

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Data aggregated from SBA loan records (1992 to 2025). Fats and Oils Refining and Blending defined by NAICS code 311225. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.