How Much Can Paper Bag and Coated and Treated Paper Manufacturing Businesses Get in SBA Loans?
70 SBA loans totaling $77.5M have been approved for paper bag and coated and treated paper manufacturing businesses (NAICS 322220). The average approved SBA loan is $1.1M, which is 225% above avg the $340K national average. 42 active lenders fund this industry.
NAICS 322220 (Paper Bag and Coated and Treated Paper Manufacturing) received 70 SBA loans worth $77.5M across 5+ states. Average loan $1.1M, average term 148 months.42 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 708 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Paper Bag and Coated and Treated Paper Manufacturing?+200% 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 Paper Bag and Coated and Treated Paper Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Paper Bag and Coated and Treated Paper Manufacturing?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Paper Bag and Coated and Treated Paper Manufacturing SBA Loans Most Common?
Top SBA Lenders for Paper Bag and Coated and Treated Paper Manufacturing
These banks have funded the most SBA loans for paper bag and coated and treated paper manufacturing businesses (NAICS 322220). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Small Business Growth Corporat(IL) | 6 | $5.4M |
| 2 | U.S. Bank, National Association(OH) | 6 | $4.5M |
| 3 | SomerCor 504, Inc.(IL) | 4 | $6.8M |
| 4 | Wells Fargo Bank National Association(SD) | 4 | $1.2M |
| 5 | WBD, Inc.(WI) | 4 | $6.1M |
Paper Bag and Coated and Treated Paper Manufacturing Industry Context
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How Does SBA Lending Work for Paper Bag and Coated and Treated Paper Manufacturing Businesses?
Across all SBA loan programs, 70 loans have been approved for businesses classified under NAICS 322220 (Paper Bag and Coated and Treated Paper Manufacturing), representing $77.5M in total capital deployed. The average approved loan of $1.1M is 225% above avg the national SBA average of $340K, with typical repayment terms of 148 months.
SBA lending for paper bag and coated and treated paper manufacturing is accelerating — loan volume has grown approximately 200% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2016.
Notably, 39% of SBA loans in this industry use the 504 program — well above the national average — indicating that paper bag and coated and treated paper manufacturing businesses frequently finance major fixed assets like real estate, heavy equipment, or facility buildouts. The 504 program offers up to $5.5M with below-market fixed rates and only 10% down from the borrower.
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 — Paper Bag and Coated and Treated Paper Manufacturing SBA Loans
What is the average SBA loan size for paper bag and coated and treated paper manufacturing businesses?
Which SBA loan program is best for a paper bag and coated and treated paper manufacturing business?
How many lenders fund SBA loans for paper bag and coated and treated paper manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help paper bag and coated and treated paper manufacturing businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Paper Bag and Coated and Treated Paper Manufacturing defined by NAICS code 322220. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.