How Much Can Flour Milling Businesses Get in SBA Loans?
126 SBA loans totaling $73.4M have been approved for flour milling businesses (NAICS 311211). The average approved SBA loan is $582K, which is 71% above avg the $340K national average. 80 active lenders fund this industry with a 15.7% default rate on the matured 2018-2021 loan cohort.
At 15.7%, Flour Milling sits above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — above average 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 311211 (Flour Milling) received 126 SBA loans worth $73.4M across 5+ states. Average loan $582K, average term 145 months, 15.7% default rate (resolved-loan basis).80 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 348 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Flour Milling?+100% 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 Flour Milling Businesses Use Most?
What Is the Best SBA Loan for Flour Milling?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Flour Milling SBA Loans Most Common?
Top SBA Lenders for Flour Milling
These banks have funded the most SBA loans for flour milling businesses (NAICS 311211). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 7 | $1.6M |
| 2 | Capital One, National Association(VA) | 6 | $2.0M |
| 3 | Dakota Heritage Bank(ND) | 5 | $2.4M |
| 4 | Small Business Growth Corporat(IL) | 5 | $8.1M |
| 5 | Manufacturers and Traders Trust Company(NY) | 4 | $2.0M |
Flour Milling Industry Context
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How Does SBA Lending Work for Flour Milling Businesses?
Across all SBA loan programs, 126 loans have been approved for businesses classified under NAICS 311211 (Flour Milling), representing $73.4M in total capital deployed. The average approved loan of $582K is 71% above avg the national SBA average of $340K, with typical repayment terms of 145 months.
SBA lending for flour milling is accelerating — loan volume has grown approximately 100% 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, 27% of SBA loans in this industry use the 504 program — well above the national average — indicating that flour milling 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 — Flour Milling SBA Loans
What is the average SBA loan size for flour milling businesses?
Which SBA loan program is best for a flour milling business?
How many lenders fund SBA loans for flour milling?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help flour milling businesses get SBA loans?
Related Manufacturing Industries
Data aggregated from SBA loan records (1992–2025). Flour Milling defined by NAICS code 311211. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.