How Much Can Manufactured Home (Mobile Home) Manufacturing Businesses Get in SBA Loans?
118 SBA loans totaling $59.6M have been approved for manufactured home (mobile home) manufacturing businesses (NAICS 321991). The average approved SBA loan is $505K, which is 48% above avg the $340K national average. 65 active lenders fund this industry.
NAICS 321991 (Manufactured Home (Mobile Home) Manufacturing) received 118 SBA loans worth $59.6M across 5+ states. Average loan $505K, average term 131 months.65 active SBA-approved lenders fund this industry. Manufacturers (NAICS 31-33) qualify for FY2026 SBA fee waivers and the new MARC revolving credit program. There are approximately 245 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Manufactured Home (Mobile Home) Manufacturing?+25% 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 Manufactured Home (Mobile Home) Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Manufactured Home (Mobile Home) Manufacturing?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Manufactured Home (Mobile Home) Manufacturing SBA Loans Most Common?
Top SBA Lenders for Manufactured Home (Mobile Home) Manufacturing
These banks have funded the most SBA loans for manufactured home (mobile home) manufacturing businesses (NAICS 321991). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Zions Bank, A Division of(UT) | 8 | $2.3M |
| 2 | Newtek Small Business Finance, Inc.(NY) | 6 | $10.8M |
| 3 | Wells Fargo Bank National Association(SD) | 6 | $716K |
| 4 | First Interstate Bank(MT) | 5 | $4.1M |
| 5 | PNC Bank, National Association(DE) | 4 | $2.5M |
Manufactured Home (Mobile Home) Manufacturing Industry Context
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How Does SBA Lending Work for Manufactured Home (Mobile Home) Manufacturing Businesses?
Across all SBA loan programs, 118 loans have been approved for businesses classified under NAICS 321991 (Manufactured Home (Mobile Home) Manufacturing), representing $59.6M in total capital deployed. The average approved loan of $505K is 48% above avg the national SBA average of $340K, with typical repayment terms of 131 months.
SBA lending for manufactured home (mobile home) manufacturing is accelerating — loan volume has grown approximately 25% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.
Notably, 20% of SBA loans in this industry use the 504 program — well above the national average — indicating that manufactured home (mobile home) 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 — Manufactured Home (Mobile Home) Manufacturing SBA Loans
What is the average SBA loan size for manufactured home (mobile home) manufacturing businesses?
Which SBA loan program is best for a manufactured home (mobile home) manufacturing business?
How many lenders fund SBA loans for manufactured home (mobile home) manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help manufactured home (mobile home) manufacturing businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Manufactured Home (Mobile Home) Manufacturing defined by NAICS code 321991. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.