How Much Can Metal Heat Treating Businesses Get in SBA Loans?
365 SBA loans totaling $249.1M have been approved for metal heat treating businesses (NAICS 332811). The average approved SBA loan is $682K, which is 100% above avg the $340K national average. 153 active lenders fund this industry with a 7.0% default rate on the matured 2018-2021 loan cohort.
At 7.0%, Metal Heat Treating sits well below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — low 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 332811 (Metal Heat Treating) received 365 SBA loans worth $249.1M across 5+ states. Average loan $682K, average term 152 months, 7.0% default rate (resolved-loan basis).153 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 725 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Metal Heat Treating?
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 Metal Heat Treating Businesses Use Most?
What Is the Best SBA Loan for Metal Heat Treating?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Metal Heat Treating SBA Loans Most Common?
Top SBA Lenders for Metal Heat Treating
These banks have funded the most SBA loans for metal heat treating businesses (NAICS 332811). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 21 | $15.9M |
| 2 | WBD, Inc.(WI) | 20 | $12.5M |
| 3 | KeyBank National Association(OH) | 12 | $6.9M |
| 4 | Bank of America, National Association(NC) | 11 | $2.6M |
| 5 | Wells Fargo Bank National Association(SD) | 10 | $7.2M |
Metal Heat Treating Industry Context
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How Does SBA Lending Work for Metal Heat Treating Businesses?
Across all SBA loan programs, 365 loans have been approved for businesses classified under NAICS 332811 (Metal Heat Treating), representing $249.1M in total capital deployed. The average approved loan of $682K is 100% above avg the national SBA average of $340K, with typical repayment terms of 152 months.
SBA lending for metal heat treating has remained relatively stable across recent fiscal years. 153 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
Notably, 25% of SBA loans in this industry use the 504 program — well above the national average — indicating that metal heat treating 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 — Metal Heat Treating SBA Loans
What is the average SBA loan size for metal heat treating businesses?
Which SBA loan program is best for a metal heat treating business?
How many lenders fund SBA loans for metal heat treating?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help metal heat treating businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Metal Heat Treating defined by NAICS code 332811. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.