How Much Can Pen and Mechanical Pencil Manufacturing Businesses Get in SBA Loans?
21 SBA loans totaling $7.2M have been approved for pen and mechanical pencil manufacturing businesses (NAICS 339941). The average approved SBA loan is $342K, which is near national avg the $340K national average. 18 active lenders fund this industry.
NAICS 339941 (Pen and Mechanical Pencil Manufacturing) received 21 SBA loans worth $7.2M across 5+ states. Average loan $342K, average term 129 months.18 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 Pen and Mechanical Pencil Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Pen and Mechanical Pencil Manufacturing?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Pen and Mechanical Pencil Manufacturing SBA Loans Most Common?
Top SBA Lenders for Pen and Mechanical Pencil Manufacturing
These banks have funded the most SBA loans for pen and mechanical pencil manufacturing businesses (NAICS 339941). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | CDC Small Business Finance Cor(CA) | 2 | $2.0M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 2 | $550K |
| 3 | Ocean State Business Developme(RI) | 2 | $1.2M |
| 4 | Zions Bank, A Division of(UT) | 1 | $100K |
| 5 | NBT Bank, National Association(NY) | 1 | $128K |
Pen and Mechanical Pencil Manufacturing Industry Context
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How Does SBA Lending Work for Pen and Mechanical Pencil Manufacturing Businesses?
Across all SBA loan programs, 21 loans have been approved for businesses classified under NAICS 339941 (Pen and Mechanical Pencil Manufacturing), representing $7.2M in total capital deployed. The average approved loan of $342K is near national avg the national SBA average of $340K, with typical repayment terms of 129 months.
SBA lending for pen and mechanical pencil manufacturing has remained relatively stable across recent fiscal years. 18 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
Notably, 24% of SBA loans in this industry use the 504 program — well above the national average — indicating that pen and mechanical pencil 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 — Pen and Mechanical Pencil Manufacturing SBA Loans
What is the average SBA loan size for pen and mechanical pencil manufacturing businesses?
Which SBA loan program is best for a pen and mechanical pencil manufacturing business?
How many lenders fund SBA loans for pen and mechanical pencil manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help pen and mechanical pencil manufacturing businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Pen and Mechanical Pencil Manufacturing defined by NAICS code 339941. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.