How Much Can Perishable Prepared Food Manufacturing Businesses Get in SBA Loans?
612 SBA loans totaling $319.8M have been approved for perishable prepared food manufacturing businesses (NAICS 311991). The average approved SBA loan is $523K, which is 53% above avg the $340K national average. 230 active lenders fund this industry with a 18.2% default rate on the matured 2018-2021 loan cohort.
At 18.2%, Perishable Prepared Food Manufacturing 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 311991 (Perishable Prepared Food Manufacturing) received 612 SBA loans worth $319.8M across 5+ states. Average loan $523K, average term 132 months, 18.2% default rate (resolved-loan basis).230 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 955 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Perishable Prepared Food Manufacturing?
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 Perishable Prepared Food Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Perishable Prepared Food Manufacturing?
Versatile funding for working capital, equipment, and expansion — guaranty fee waiver on loans up to $950K in FY2026
Where Are Perishable Prepared Food Manufacturing SBA Loans Most Common?
Top SBA Lenders for Perishable Prepared Food Manufacturing
These banks have funded the most SBA loans for perishable prepared food manufacturing businesses (NAICS 311991). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 23 | $3.3M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 22 | $7.7M |
| 3 | Bank of America, National Association(NC) | 20 | $1.9M |
| 4 | U.S. Bank, National Association(OH) | 17 | $3.9M |
| 5 | PNC Bank, National Association(DE) | 17 | $6.2M |
Perishable Prepared Food Manufacturing Industry Context
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How Does SBA Lending Work for Perishable Prepared Food Manufacturing Businesses?
Across all SBA loan programs, 612 loans have been approved for businesses classified under NAICS 311991 (Perishable Prepared Food Manufacturing), representing $319.8M in total capital deployed. The average approved loan of $523K is 53% above avg the national SBA average of $340K, with typical repayment terms of 132 months.
SBA lending for perishable prepared food manufacturing has remained relatively stable across recent fiscal years. 230 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 13% 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 — Perishable Prepared Food Manufacturing SBA Loans
What is the average SBA loan size for perishable prepared food manufacturing businesses?
Which SBA loan program is best for a perishable prepared food manufacturing business?
How many lenders fund SBA loans for perishable prepared food manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help perishable prepared food manufacturing businesses get SBA loans?
Related Manufacturing Industries
Data aggregated from SBA loan records (1992–2025). Perishable Prepared Food Manufacturing defined by NAICS code 311991. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.