How Much Can Nonupholstered Wood Household Furniture Manufacturing Businesses Get in SBA Loans?
1,024 SBA loans totaling $278.5M have been approved for nonupholstered wood household furniture manufacturing businesses (NAICS 337122). The average approved SBA loan is $272K, which is 20% below avg the $340K national average. 288 active lenders fund this industry with a 20.2% default rate on the matured 2018-2021 loan cohort.
At 20.2%, Nonupholstered Wood Household Furniture Manufacturing sits well above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — elevated 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 337122 (Nonupholstered Wood Household Furniture Manufacturing) received 1,024 SBA loans worth $278.5M across 5+ states. Average loan $272K, average term 126 months, 20.2% default rate (resolved-loan basis).288 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 2,126 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Nonupholstered Wood Household Furniture Manufacturing?+86% 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 Nonupholstered Wood Household Furniture Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Nonupholstered Wood Household Furniture Manufacturing?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Nonupholstered Wood Household Furniture Manufacturing SBA Loans Most Common?
Top SBA Lenders for Nonupholstered Wood Household Furniture Manufacturing
These banks have funded the most SBA loans for nonupholstered wood household furniture manufacturing businesses (NAICS 337122). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Citizens Bank, National Association(RI) | 70 | $2.3M |
| 2 | Bank of America, National Association(NC) | 63 | $5.2M |
| 3 | Wells Fargo Bank National Association(SD) | 47 | $10.2M |
| 4 | U.S. Bank, National Association(OH) | 42 | $16.5M |
| 5 | JPMorgan Chase Bank, National Association(OH) | 30 | $2.9M |
Nonupholstered Wood Household Furniture Manufacturing Industry Context
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How Does SBA Lending Work for Nonupholstered Wood Household Furniture Manufacturing Businesses?
Across all SBA loan programs, 1,024 loans have been approved for businesses classified under NAICS 337122 (Nonupholstered Wood Household Furniture Manufacturing), representing $278.5M in total capital deployed. The average approved loan of $272K is 20% below avg the national SBA average of $340K, with typical repayment terms of 126 months.
SBA lending for nonupholstered wood household furniture manufacturing is accelerating — loan volume has grown approximately 86% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2018.
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 31-33, 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 — Nonupholstered Wood Household Furniture Manufacturing SBA Loans
What is the average SBA loan size for nonupholstered wood household furniture manufacturing businesses?
Which SBA loan program is best for a nonupholstered wood household furniture manufacturing business?
How many lenders fund SBA loans for nonupholstered wood household furniture manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help nonupholstered wood household furniture manufacturing businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Nonupholstered Wood Household Furniture Manufacturing defined by NAICS code 337122. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.