How Much Can Paper (except Newsprint) Mills Businesses Get in SBA Loans?
73 SBA loans totaling $47.7M have been approved for paper (except newsprint) mills businesses (NAICS 322121). The average approved SBA loan is $654K, which is 92% above avg the $340K national average. 46 active lenders fund this industry.
NAICS 322121 (Paper (except Newsprint) Mills) received 73 SBA loans worth $47.7M across 5+ states. Average loan $654K, average term 118 months.46 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 189 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Paper (except Newsprint) Mills?+300% 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 (except Newsprint) Mills Businesses Use Most?
What Is the Best SBA Loan for Paper (except Newsprint) Mills?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Paper (except Newsprint) Mills SBA Loans Most Common?
Top SBA Lenders for Paper (except Newsprint) Mills
These banks have funded the most SBA loans for paper (except newsprint) mills businesses (NAICS 322121). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 5 | $121K |
| 2 | Bank of America, National Association(NC) | 5 | $196K |
| 3 | JPMorgan Chase Bank, National Association(OH) | 4 | $756K |
| 4 | PNC Bank, National Association(DE) | 3 | $1.0M |
| 5 | TD Bank, National Association(DE) | 3 | $380K |
Paper (except Newsprint) Mills Industry Context
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How Does SBA Lending Work for Paper (except Newsprint) Mills Businesses?
Across all SBA loan programs, 73 loans have been approved for businesses classified under NAICS 322121 (Paper (except Newsprint) Mills), representing $47.7M in total capital deployed. The average approved loan of $654K is 92% above avg the national SBA average of $340K, with typical repayment terms of 118 months.
SBA lending for paper (except newsprint) mills is accelerating — loan volume has grown approximately 300% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2021.
Notably, 21% of SBA loans in this industry use the 504 program — well above the national average — indicating that paper (except newsprint) mills 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 (except Newsprint) Mills SBA Loans
What is the average SBA loan size for paper (except newsprint) mills businesses?
Which SBA loan program is best for a paper (except newsprint) mills business?
How many lenders fund SBA loans for paper (except newsprint) mills?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help paper (except newsprint) mills businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Paper (except Newsprint) Mills defined by NAICS code 322121. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.