How Much Can Structural Wood Product Manufacturing Businesses Get in SBA Loans?
12 SBA loans totaling $9.0M have been approved for structural wood product manufacturing businesses (NAICS 321215). The average approved SBA loan is $752K, which is 121% above avg the $340K national average. 11 active lenders fund this industry.
NAICS 321215 (Structural Wood Product Manufacturing) received 12 SBA loans worth $9.0M across 5+ states. Average loan $752K, average term 162 months.11 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 Structural Wood Product Manufacturing?-33% decline
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 Structural Wood Product Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Structural Wood Product Manufacturing?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Structural Wood Product Manufacturing SBA Loans Most Common?
Top SBA Lenders for Structural Wood Product Manufacturing
These banks have funded the most SBA loans for structural wood product manufacturing businesses (NAICS 321215). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Stearns Bank National Association(MN) | 2 | $400K |
| 2 | Arrow Bank National Association(NY) | 1 | $50K |
| 3 | JPMorgan Chase Bank, National Association(OH) | 1 | $400K |
| 4 | Bay Colony Development Corpora(MA) | 1 | $1.0M |
| 5 | Northeast Bank(ME) | 1 | $25K |
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How Does SBA Lending Work for Structural Wood Product Manufacturing Businesses?
Across all SBA loan programs, 12 loans have been approved for businesses classified under NAICS 321215 (Structural Wood Product Manufacturing), representing $9.0M in total capital deployed. The average approved loan of $752K is 121% above avg the national SBA average of $340K, with typical repayment terms of 162 months.
SBA lending for structural wood product manufacturing has contracted approximately 33% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 11 lenders remain active, maintaining competitive options for qualified borrowers.
Notably, 42% of SBA loans in this industry use the 504 program — well above the national average — indicating that structural wood product 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 — Structural Wood Product Manufacturing SBA Loans
What is the average SBA loan size for structural wood product manufacturing businesses?
Which SBA loan program is best for a structural wood product manufacturing business?
How many lenders fund SBA loans for structural wood product manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help structural wood product manufacturing businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Structural Wood Product Manufacturing defined by NAICS code 321215. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.