How Much Can Other Millwork (including Flooring) Businesses Get in SBA Loans?
835 SBA loans totaling $400.7M have been approved for other millwork (including flooring) businesses (NAICS 321918). The average approved SBA loan is $480K, which is 41% above avg the $340K national average. 273 active lenders fund this industry with a 17.9% default rate on the matured 2018-2021 loan cohort.
At 17.9%, Other Millwork (including Flooring) sits above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — above average 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 321918 (Other Millwork (including Flooring)) received 835 SBA loans worth $400.7M across 5+ states. Average loan $480K, average term 129 months, 17.9% default rate (resolved-loan basis).273 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 1,516 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Other Millwork (including Flooring)?+27% 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 Other Millwork (including Flooring) Businesses Use Most?
What Is the Best SBA Loan for Other Millwork (including Flooring)?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Other Millwork (including Flooring) SBA Loans Most Common?
Top SBA Lenders for Other Millwork (including Flooring)
These banks have funded the most SBA loans for other millwork (including flooring) businesses (NAICS 321918). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association(OH) | 29 | $7.0M |
| 2 | Wells Fargo Bank National Association(SD) | 28 | $15.3M |
| 3 | PNC Bank, National Association(DE) | 25 | $5.2M |
| 4 | Bank of America, National Association(NC) | 25 | $1.4M |
| 5 | U.S. Bank, National Association(OH) | 21 | $6.0M |
Other Millwork (including Flooring) Industry Context
Ready to Fund Your Other Millwork (including Flooring) Business?
PeerSense places SBA loans for other millwork (including flooring) businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Financing a Other Millwork (including Flooring) business? Get matched to an SBA lender.
Tell us your loan amount and use of funds. We route you to the lender most likely to fund a deal in your industry.
SBA 7(a) / 504 — Response within 4 business hours. No obligation.
How Does SBA Lending Work for Other Millwork (including Flooring) Businesses?
Across all SBA loan programs, 835 loans have been approved for businesses classified under NAICS 321918 (Other Millwork (including Flooring)), representing $400.7M in total capital deployed. The average approved loan of $480K is 41% above avg the national SBA average of $340K, with typical repayment terms of 129 months.
SBA lending for other millwork (including flooring) is accelerating — loan volume has grown approximately 27% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2016.
The industry sees a balanced mix of SBA programs, with 19% 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 Millwork (including Flooring) SBA Loans
What is the average SBA loan size for other millwork (including flooring) businesses?
Which SBA loan program is best for a other millwork (including flooring) business?
How many lenders fund SBA loans for other millwork (including flooring)?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help other millwork (including flooring) businesses get SBA loans?
Related Manufacturing Industries
Commercial Gravure Printing
Commercial Lithographic Printing
Commercial Screen Printing
All Other Plastics Product Manufacturing
Other Commercial Printing
Cut Stone and Stone Product Manufacturing
Data aggregated from SBA loan records (1992–2025). Other Millwork (including Flooring) defined by NAICS code 321918. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.