How Much Can Other Apparel Accessories and Other Apparel Manufacturing Businesses Get in SBA Loans?
768 SBA loans totaling $185.1M have been approved for other apparel accessories and other apparel manufacturing businesses (NAICS 315999). The average approved SBA loan is $241K, which is 29% below avg the $340K national average. 171 active lenders fund this industry with a 25.6% default rate on the matured 2018-2021 loan cohort.
At 25.6%, Other Apparel Accessories and Other Apparel 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 315999 (Other Apparel Accessories and Other Apparel Manufacturing) received 768 SBA loans worth $185.1M across 5+ states. Average loan $241K, average term 101 months, 25.6% default rate (resolved-loan basis).171 active SBA-approved lenders fund this industry. Manufacturers (NAICS 31-33) qualify for FY2026 SBA fee waivers and the new MARC revolving credit program.
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 Other Apparel Accessories and Other Apparel Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Other Apparel Accessories and Other Apparel Manufacturing?
Versatile funding for working capital, equipment, and expansion. Guaranty fee waiver on loans up to $950K in FY2026
Where Are Other Apparel Accessories and Other Apparel Manufacturing SBA Loans Most Common?
SBA Lending Activity in Other Apparel Accessories and Other Apparel Manufacturing
171 SBA lenders have funded 768 loans to other apparel accessories and other apparel manufacturing businesses (NAICS 315999). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.
Other Apparel Accessories and Other Apparel Manufacturing Industry Context
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How Does SBA Lending Work for Other Apparel Accessories and Other Apparel Manufacturing Businesses?
Across all SBA loan programs, 768 loans have been approved for businesses classified under NAICS 315999 (Other Apparel Accessories and Other Apparel Manufacturing), representing $185.1M in total capital deployed. The average approved loan of $241K is 29% below avg the national SBA average of $340K, with typical repayment terms of 101 months.
SBA lending for other apparel accessories and other apparel manufacturing has remained relatively stable across recent fiscal years. 171 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 9% 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: Other Apparel Accessories and Other Apparel Manufacturing SBA Loans
What is the average SBA loan size for other apparel accessories and other apparel manufacturing businesses?
Which SBA loan program is best for a other apparel accessories and other apparel manufacturing business?
How many lenders fund SBA loans for other apparel accessories and other apparel manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help other apparel accessories and other apparel manufacturing businesses get SBA loans?
Related Manufacturing Industries
Data aggregated from SBA loan records (1992–2025). Other Apparel Accessories and Other Apparel Manufacturing defined by NAICS code 315999. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.