How Much Can Nitrogenous Fertilizer Manufacturing Businesses Get in SBA Loans?
118 SBA loans totaling $72.3M have been approved for nitrogenous fertilizer manufacturing businesses (NAICS 325311). The average approved SBA loan is $613K, which is 80% above avg the $340K national average. 77 active lenders fund this industry.
NAICS 325311 (Nitrogenous Fertilizer Manufacturing) received 118 SBA loans worth $72.3M across 5+ states. Average loan $613K, average term 114 months.77 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 205 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Nitrogenous Fertilizer Manufacturing?-25% 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 Nitrogenous Fertilizer Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Nitrogenous Fertilizer Manufacturing?
Versatile funding for working capital, equipment, and expansion — guaranty fee waiver on loans up to $950K in FY2026
Where Are Nitrogenous Fertilizer Manufacturing SBA Loans Most Common?
Top SBA Lenders for Nitrogenous Fertilizer Manufacturing
These banks have funded the most SBA loans for nitrogenous fertilizer manufacturing businesses (NAICS 325311). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Banesco USA(FL) | 12 | $22.0M |
| 2 | U.S. Bank, National Association(OH) | 6 | $4.7M |
| 3 | Bank of America, National Association(NC) | 4 | $650K |
| 4 | Zions Bank, A Division of(UT) | 4 | $967K |
| 5 | Wells Fargo Bank National Association(SD) | 3 | $1.2M |
Nitrogenous Fertilizer Manufacturing Industry Context
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How Does SBA Lending Work for Nitrogenous Fertilizer Manufacturing Businesses?
Across all SBA loan programs, 118 loans have been approved for businesses classified under NAICS 325311 (Nitrogenous Fertilizer Manufacturing), representing $72.3M in total capital deployed. The average approved loan of $613K is 80% above avg the national SBA average of $340K, with typical repayment terms of 114 months.
SBA lending for nitrogenous fertilizer manufacturing has contracted approximately 25% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 77 lenders remain active, maintaining competitive options for qualified borrowers.
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 — Nitrogenous Fertilizer Manufacturing SBA Loans
What is the average SBA loan size for nitrogenous fertilizer manufacturing businesses?
Which SBA loan program is best for a nitrogenous fertilizer manufacturing business?
How many lenders fund SBA loans for nitrogenous fertilizer manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help nitrogenous fertilizer manufacturing businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Nitrogenous Fertilizer Manufacturing defined by NAICS code 325311. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.