How Much Can Mattress Manufacturing Businesses Get in SBA Loans?
185 SBA loans totaling $126.6M have been approved for mattress manufacturing businesses (NAICS 337910). The average approved SBA loan is $684K, which is 101% above avg the $340K national average. 95 active lenders fund this industry with a 14.1% default rate on the matured 2018-2021 loan cohort.
At 14.1%, Mattress Manufacturing sits below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — moderate default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 337910 (Mattress Manufacturing) received 185 SBA loans worth $126.6M across 5+ states. Average loan $684K, average term 162 months, 14.1% default rate (resolved-loan basis).95 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 403 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Mattress Manufacturing?-17% 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 Mattress Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Mattress Manufacturing?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Mattress Manufacturing SBA Loans Most Common?
Top SBA Lenders for Mattress Manufacturing
These banks have funded the most SBA loans for mattress manufacturing businesses (NAICS 337910). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | U.S. Bank, National Association(OH) | 11 | $4.4M |
| 2 | Bank of America, National Association(NC) | 10 | $535K |
| 3 | Wells Fargo Bank National Association(SD) | 8 | $2.9M |
| 4 | Columbia Bank(OR) | 7 | $2.8M |
| 5 | The Huntington National Bank(OH) | 6 | $2.0M |
Mattress Manufacturing Industry Context
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How Does SBA Lending Work for Mattress Manufacturing Businesses?
Across all SBA loan programs, 185 loans have been approved for businesses classified under NAICS 337910 (Mattress Manufacturing), representing $126.6M in total capital deployed. The average approved loan of $684K is 101% above avg the national SBA average of $340K, with typical repayment terms of 162 months.
SBA lending for mattress manufacturing has contracted approximately 17% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 95 lenders remain active, maintaining competitive options for qualified borrowers.
Notably, 24% of SBA loans in this industry use the 504 program — well above the national average — indicating that mattress 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 — Mattress Manufacturing SBA Loans
What is the average SBA loan size for mattress manufacturing businesses?
Which SBA loan program is best for a mattress manufacturing business?
How many lenders fund SBA loans for mattress manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help mattress manufacturing businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Mattress Manufacturing defined by NAICS code 337910. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.