How Much Can Household Furniture (except Wood and Metal) Manufacturing Businesses Get in SBA Loans?
244 SBA loans totaling $40.2M have been approved for household furniture (except wood and metal) manufacturing businesses (NAICS 337125). The average approved SBA loan is $165K, which is 52% below avg the $340K national average. 89 active lenders fund this industry with a 22.3% default rate on the matured 2018-2021 loan cohort.
At 22.3%, Household Furniture (except Wood and Metal) Manufacturing sits well above the 15.4% all industry SBA default rate (charged off as a share of resolved loans), elevated default risk relative to other SBA industries. The capital source prices this risk into rate and structure.
NAICS 337125 (Household Furniture (except Wood and Metal) Manufacturing) received 244 SBA loans worth $40.2M across 5+ states. Average loan $165K, average term 106 months, 22.3% default rate (resolved loan basis).89 active SBA approved lenders fund this industry.Manufacturers in NAICS 31 to 33 qualify for FY2027 SBA fee terms and can access the MARC revolving credit program. There are approximately 165 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Household Furniture (except Wood and Metal) Manufacturing?-67% decline
FY2027 Manufacturing Fee Waivers Active
The SBA has waived both 504 fees for manufacturers in NAICS 31 to 33 through September 30, 2027:
504 loans: all guaranty fees waived for manufacturing
7(a) loans of $700,000 or less: 0% upfront fee for manufacturers
Revolving credit line: manufacturers only, launched 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 Household Furniture (except Wood and Metal) Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Household Furniture (except Wood and Metal) Manufacturing?
Versatile funding for working capital, equipment, and expansion. 7(a) upfront fee is 0% for qualifying manufacturers on loans of $700,000 or less in FY2027
Where Are Household Furniture (except Wood and Metal) Manufacturing SBA Loans Most Common?
SBA Lending Activity in Household Furniture (except Wood and Metal) Manufacturing
89 SBA lenders have funded 244 loans to household furniture (except wood and metal) manufacturing businesses (NAICS 337125). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.
Household Furniture (except Wood and Metal) Manufacturing Industry Context
Talk to PeerSense
PeerSense sources capital for household furniture (except wood and metal) manufacturing businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Talk to PeerSense about financing a Household Furniture (except Wood and Metal) Manufacturing business.
Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.
SBA 7(a) / 504: PeerSense will reach out. No obligation.
How Does SBA Lending Work for Household Furniture (except Wood and Metal) Manufacturing Businesses?
Across all SBA loan programs, 244 loans have been approved for businesses classified under NAICS 337125 (Household Furniture (except Wood and Metal) Manufacturing), representing $40.2M in total capital deployed. The average approved loan of $165K is 52% below avg the national SBA average of $340K, with typical repayment terms of 106 months.
SBA lending for household furniture (except wood and metal) manufacturing has contracted approximately 67% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 89 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 8% 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.
Frequently Asked Questions: Household Furniture (except Wood and Metal) Manufacturing SBA Loans
What is the average SBA loan size for household furniture (except wood and metal) manufacturing businesses?
Which SBA loan program is best for a household furniture (except wood and metal) manufacturing business?
How many lenders fund SBA loans for household furniture (except wood and metal) manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help household furniture (except wood and metal) manufacturing businesses get SBA loans?
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Data aggregated from SBA loan records (1992 to 2025). Household Furniture (except Wood and Metal) Manufacturing defined by NAICS code 337125. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.