How Much Can Cut and Sew Apparel Manufacturing (except Contractors) Businesses Get in SBA Loans?
96 SBA loans totaling $49.5M have been approved for cut and sew apparel manufacturing (except contractors) businesses (NAICS 315250). The average approved SBA loan is $515K, which is 51% above avg the $340K national average. 49 active lenders fund this industry.
NAICS 315250 (Cut and Sew Apparel Manufacturing (except Contractors)) received 96 SBA loans worth $49.5M across 5+ states. Average loan $515K, average term 135 months.49 active SBA-approved lenders fund this industry. Manufacturers (NAICS 31-33) qualify for FY2026 SBA fee waivers and the new MARC revolving credit program.
Is SBA Lending Growing for Cut and Sew Apparel Manufacturing (except Contractors)?+46% 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 Cut and Sew Apparel Manufacturing (except Contractors) Businesses Use Most?
What Is the Best SBA Loan for Cut and Sew Apparel Manufacturing (except Contractors)?
Versatile funding for working capital, equipment, and expansion — guaranty fee waiver on loans up to $950K in FY2026
Where Are Cut and Sew Apparel Manufacturing (except Contractors) SBA Loans Most Common?
Top SBA Lenders for Cut and Sew Apparel Manufacturing (except Contractors)
These banks have funded the most SBA loans for cut and sew apparel manufacturing (except contractors) businesses (NAICS 315250). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Newtek Bank, National Association(FL) | 13 | $5.1M |
| 2 | The Huntington National Bank(OH) | 8 | $587K |
| 3 | Readycap Lending, LLC(NJ) | 8 | $1.8M |
| 4 | Northeast Bank(ME) | 7 | $1.5M |
| 5 | TD Bank, National Association(DE) | 4 | $7.2M |
Cut and Sew Apparel Manufacturing (except Contractors) Industry Context
Ready to Fund Your Cut and Sew Apparel Manufacturing (except Contractors) Business?
PeerSense places SBA loans for cut and sew apparel manufacturing (except contractors) 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 Cut and Sew Apparel Manufacturing (except Contractors) 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 Cut and Sew Apparel Manufacturing (except Contractors) Businesses?
Across all SBA loan programs, 96 loans have been approved for businesses classified under NAICS 315250 (Cut and Sew Apparel Manufacturing (except Contractors)), representing $49.5M in total capital deployed. The average approved loan of $515K is 51% above avg the national SBA average of $340K, with typical repayment terms of 135 months.
SBA lending for cut and sew apparel manufacturing (except contractors) is accelerating — loan volume has grown approximately 46% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.
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 31-33, 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 — Cut and Sew Apparel Manufacturing (except Contractors) SBA Loans
What is the average SBA loan size for cut and sew apparel manufacturing (except contractors) businesses?
Which SBA loan program is best for a cut and sew apparel manufacturing (except contractors) business?
How many lenders fund SBA loans for cut and sew apparel manufacturing (except contractors)?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help cut and sew apparel manufacturing (except contractors) businesses get SBA loans?
Related Manufacturing Industries
Data aggregated from SBA loan records (1992–2025). Cut and Sew Apparel Manufacturing (except Contractors) defined by NAICS code 315250. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.