How Much Can Heavy Duty Truck Manufacturing Businesses Get in SBA Loans?

Across all SBA loan programs, 56 loans have been approved for businesses classified under NAICS 336120 (Heavy Duty Truck Manufacturing), representing $39.5M in total capital deployed. The average approved loan of $706K is 107% above avg the national SBA average of $340K, with typical repayment terms of 152 months.

SBA lending for heavy duty truck manufacturing has remained relatively stable across recent fiscal years. 41 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 18% 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 to 33, you qualify for FY2027 SBA fee terms through September 30, 2027. For manufacturers, the SBA has waived the 504 upfront guaranty fee and annual service fee, and the 7(a) upfront fee is 0% on loans of $700,000 or less. 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.