How Much Can Fats and Oils Refining and Blending Businesses Get in SBA Loans?
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.
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 (NAICS 31-33) qualify for FY2026 SBA fee waivers and the new MARC revolving credit program. There are approximately 118 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Fats and Oils Refining and Blending?
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 Fats and Oils Refining and Blending Businesses Use Most?
What Is the Best SBA Loan for Fats and Oils Refining and Blending?
Versatile funding for working capital, equipment, and expansion — guaranty fee waiver on loans up to $950K in FY2026
Where Are Fats and Oils Refining and Blending SBA Loans Most Common?
Top SBA Lenders for Fats and Oils Refining and Blending
These banks have funded the most SBA loans for fats and oils refining and blending businesses (NAICS 311225). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Bank of Canton(MA) | 5 | $300K |
| 2 | Green Belt Bank & Trust(IA) | 2 | $900K |
| 3 | Comerica Bank(TX) | 2 | $916K |
| 4 | VelocitySBA, LLC(TX) | 2 | $20K |
| 5 | Wells Fargo Bank National Association(SD) | 2 | $155K |
Fats and Oils Refining and Blending Industry Context
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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 31-33, 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 — Fats and Oils Refining and Blending SBA Loans
What is the average SBA loan size for fats and oils refining and blending businesses?
Which SBA loan program is best for a fats and oils refining and blending business?
How many lenders fund SBA loans for fats and oils refining and blending?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help fats and oils refining and blending businesses get SBA loans?
Related Manufacturing Industries
Data aggregated from SBA loan records (1992–2025). Fats and Oils Refining and Blending defined by NAICS code 311225. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.