How Much Can Nonclay Refractory Manufacturing Businesses Get in SBA Loans?

Across all SBA loan programs, 32 loans have been approved for businesses classified under NAICS 327125 (Nonclay Refractory Manufacturing), representing $8.2M in total capital deployed. The average approved loan of $257K is 24% below avg the national SBA average of $340K, with typical repayment terms of 133 months.

SBA lending for nonclay refractory manufacturing has remained relatively stable across recent fiscal years. 18 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.

The industry sees a balanced mix of SBA programs, with 16% 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 to 33, you qualify for FY2027 SBA fee terms through September 30, 2027. For manufacturers, the SBA has waived the 504 upfront guaranty fee and annual service fee, and the 7(a) upfront fee is 0% on loans of $700,000 or less. 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.