How Much Can Paint and Coating Manufacturing Businesses Get in SBA Loans?
651 SBA loans totaling $295.1M have been approved for paint and coating manufacturing businesses (NAICS 325510). The average approved SBA loan is $453K, which is 33% above avg the $340K national average. 225 active lenders fund this industry with a 10.8% default rate on the matured 2018-2021 loan cohort.
At 10.8%, Paint and Coating Manufacturing sits below the 15.4% all industry SBA default rate (charged off as a share of resolved loans), moderate default risk relative to other SBA industries. The capital source prices this risk into rate and structure.
NAICS 325510 (Paint and Coating Manufacturing) received 651 SBA loans worth $295.1M across 5+ states. Average loan $453K, average term 144 months, 10.8% default rate (resolved loan basis).225 active SBA approved lenders fund this industry.Manufacturers in NAICS 31 to 33 qualify for FY2027 SBA fee terms and can access the MARC revolving credit program. There are approximately 1,142 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Paint and Coating Manufacturing?
FY2027 Manufacturing Fee Waivers Active
The SBA has waived both 504 fees for manufacturers in NAICS 31 to 33 through September 30, 2027:
504 loans: all guaranty fees waived for manufacturing
7(a) loans of $700,000 or less: 0% upfront fee for manufacturers
Revolving credit line: manufacturers only, launched 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 Paint and Coating Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Paint and Coating Manufacturing?
Popular for manufacturing equipment and real estate, with 504 fees waived in FY2027
Where Are Paint and Coating Manufacturing SBA Loans Most Common?
SBA Lending Activity in Paint and Coating Manufacturing
225 SBA lenders have funded 651 loans to paint and coating manufacturing businesses (NAICS 325510). 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.
Paint and Coating Manufacturing Industry Context
Talk to PeerSense
PeerSense sources capital for paint and coating manufacturing businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Talk to PeerSense about financing a Paint and Coating Manufacturing business.
Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.
SBA 7(a) / 504: PeerSense will reach out. No obligation.
How Does SBA Lending Work for Paint and Coating Manufacturing Businesses?
Across all SBA loan programs, 651 loans have been approved for businesses classified under NAICS 325510 (Paint and Coating Manufacturing), representing $295.1M in total capital deployed. The average approved loan of $453K is 33% above avg the national SBA average of $340K, with typical repayment terms of 144 months.
SBA lending for paint and coating manufacturing has remained relatively stable across recent fiscal years. 225 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 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 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.
Frequently Asked Questions: Paint and Coating Manufacturing SBA Loans
What is the average SBA loan size for paint and coating manufacturing businesses?
Which SBA loan program is best for a paint and coating manufacturing business?
How many lenders fund SBA loans for paint and coating manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help paint and coating manufacturing 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 to 2025). Paint and Coating Manufacturing defined by NAICS code 325510. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.