How Much Can Fluid Milk Manufacturing Businesses Get in SBA Loans?
84 SBA loans totaling $62.0M have been approved for fluid milk manufacturing businesses (NAICS 311511). The average approved SBA loan is $738K, which is 117% above avg the $340K national average. 50 active lenders fund this industry.
NAICS 311511 (Fluid Milk Manufacturing) received 84 SBA loans worth $62.0M across 5+ states. Average loan $738K, average term 154 months.50 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 421 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Fluid Milk Manufacturing?
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 Fluid Milk Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Fluid Milk Manufacturing?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Fluid Milk Manufacturing SBA Loans Most Common?
Top SBA Lenders for Fluid Milk Manufacturing
These banks have funded the most SBA loans for fluid milk manufacturing businesses (NAICS 311511). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Empire State Certified Develop(NY) | 5 | $2.1M |
| 2 | Wells Fargo Bank National Association(SD) | 4 | $8.4M |
| 3 | Citizens Bank, National Association(RI) | 4 | $585K |
| 4 | Manufacturers and Traders Trust Company(NY) | 4 | $3.4M |
| 5 | Old National Bank(IN) | 3 | $1.1M |
Fluid Milk Manufacturing Industry Context
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How Does SBA Lending Work for Fluid Milk Manufacturing Businesses?
Across all SBA loan programs, 84 loans have been approved for businesses classified under NAICS 311511 (Fluid Milk Manufacturing), representing $62.0M in total capital deployed. The average approved loan of $738K is 117% above avg the national SBA average of $340K, with typical repayment terms of 154 months.
SBA lending for fluid milk manufacturing has remained relatively stable across recent fiscal years. 50 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
Notably, 26% of SBA loans in this industry use the 504 program — well above the national average — indicating that fluid milk manufacturing 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 — Fluid Milk Manufacturing SBA Loans
What is the average SBA loan size for fluid milk manufacturing businesses?
Which SBA loan program is best for a fluid milk manufacturing business?
How many lenders fund SBA loans for fluid milk manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help fluid milk manufacturing businesses get SBA loans?
Related Manufacturing Industries
Data aggregated from SBA loan records (1992–2025). Fluid Milk Manufacturing defined by NAICS code 311511. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.