How Much Can Folding Paperboard Box Manufacturing Businesses Get in SBA Loans?
168 SBA loans totaling $139.4M have been approved for folding paperboard box manufacturing businesses (NAICS 322212). The average approved SBA loan is $830K, which is 144% above avg the $340K national average. 81 active lenders fund this industry with a 11.0% default rate on the matured 2018-2021 loan cohort.
At 11.0%, Folding Paperboard Box 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. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 322212 (Folding Paperboard Box Manufacturing) received 168 SBA loans worth $139.4M across 5+ states. Average loan $830K, average term 138 months, 11.0% default rate (resolved-loan basis).81 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 567 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Folding Paperboard Box Manufacturing?+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 Folding Paperboard Box Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Folding Paperboard Box Manufacturing?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Folding Paperboard Box Manufacturing SBA Loans Most Common?
Top SBA Lenders for Folding Paperboard Box Manufacturing
These banks have funded the most SBA loans for folding paperboard box manufacturing businesses (NAICS 322212). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 11 | $2.5M |
| 2 | Wells Fargo Bank National Association(SD) | 9 | $6.0M |
| 3 | SomerCor 504, Inc.(IL) | 7 | $10.9M |
| 4 | Bank First, N.A.(WI) | 5 | $752K |
| 5 | First Central State Bank(IA) | 5 | $3.5M |
Folding Paperboard Box Manufacturing Industry Context
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How Does SBA Lending Work for Folding Paperboard Box Manufacturing Businesses?
Across all SBA loan programs, 168 loans have been approved for businesses classified under NAICS 322212 (Folding Paperboard Box Manufacturing), representing $139.4M in total capital deployed. The average approved loan of $830K is 144% above avg the national SBA average of $340K, with typical repayment terms of 138 months.
SBA lending for folding paperboard box manufacturing 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, 30% of SBA loans in this industry use the 504 program — well above the national average — indicating that folding paperboard box 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 — Folding Paperboard Box Manufacturing SBA Loans
What is the average SBA loan size for folding paperboard box manufacturing businesses?
Which SBA loan program is best for a folding paperboard box manufacturing business?
How many lenders fund SBA loans for folding paperboard box manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help folding paperboard box manufacturing businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Folding Paperboard Box Manufacturing defined by NAICS code 322212. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.