How Much Can Hand and Edge Tool Manufacturing Businesses Get in SBA Loans?
309 SBA loans totaling $73.4M have been approved for hand and edge tool manufacturing businesses (NAICS 332212). The average approved SBA loan is $237K, which is 30% below avg the $340K national average. 145 active lenders fund this industry with a 15.8% default rate on the matured 2018-2021 loan cohort.
At 15.8%, Hand and Edge Tool Manufacturing 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 332212 (Hand and Edge Tool Manufacturing) received 309 SBA loans worth $73.4M across 5+ states. Average loan $237K, average term 103 months, 15.8% default rate (resolved-loan basis).145 active SBA-approved lenders fund this industry. Manufacturers (NAICS 31-33) qualify for FY2026 SBA fee waivers and the new MARC revolving credit program.
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 Hand and Edge Tool Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Hand and Edge Tool Manufacturing?
Versatile funding for working capital, equipment, and expansion — guaranty fee waiver on loans up to $950K in FY2026
Where Are Hand and Edge Tool Manufacturing SBA Loans Most Common?
Top SBA Lenders for Hand and Edge Tool Manufacturing
These banks have funded the most SBA loans for hand and edge tool manufacturing businesses (NAICS 332212). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Citizens Bank, National Association(RI) | 30 | $1.8M |
| 2 | Bank of America, National Association(NC) | 14 | $2.0M |
| 3 | The Huntington National Bank(OH) | 12 | $5.3M |
| 4 | Wells Fargo Bank National Association(SD) | 12 | $1.7M |
| 5 | Manufacturers and Traders Trust Company(NY) | 10 | $1.6M |
Hand and Edge Tool Manufacturing Industry Context
Ready to Fund Your Hand and Edge Tool Manufacturing Business?
PeerSense places SBA loans for hand and edge tool manufacturing businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Financing a Hand and Edge Tool Manufacturing business? Get matched to an SBA lender.
Tell us your loan amount and use of funds. We route you to the lender most likely to fund a deal in your industry.
SBA 7(a) / 504 — Response within 4 business hours. No obligation.
How Does SBA Lending Work for Hand and Edge Tool Manufacturing Businesses?
Across all SBA loan programs, 309 loans have been approved for businesses classified under NAICS 332212 (Hand and Edge Tool Manufacturing), representing $73.4M in total capital deployed. The average approved loan of $237K is 30% below avg the national SBA average of $340K, with typical repayment terms of 103 months.
SBA lending for hand and edge tool manufacturing has remained relatively stable across recent fiscal years. 145 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 9% 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 — Hand and Edge Tool Manufacturing SBA Loans
What is the average SBA loan size for hand and edge tool manufacturing businesses?
Which SBA loan program is best for a hand and edge tool manufacturing business?
How many lenders fund SBA loans for hand and edge tool manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help hand and edge tool manufacturing businesses get SBA loans?
Related Manufacturing Industries
Machine Shops
All Other Miscellaneous Manufacturing
All Other Miscellaneous Fabricated Metal Product Manufacturing
Wood Kitchen Cabinet and Countertop Manufacturing
Sign Manufacturing
Fabricated Structural Metal Manufacturing
Data aggregated from SBA loan records (1992–2025). Hand and Edge Tool Manufacturing defined by NAICS code 332212. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.