How Much Can Polish and Other Sanitation Good Manufacturing Businesses Get in SBA Loans?
318 SBA loans totaling $108.3M have been approved for polish and other sanitation good manufacturing businesses (NAICS 325612). The average approved SBA loan is $341K, which is near national avg the $340K national average. 142 active lenders fund this industry with a 14.3% default rate on the matured 2018-2021 loan cohort.
At 14.3%, Polish and Other Sanitation Good 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. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 325612 (Polish and Other Sanitation Good Manufacturing) received 318 SBA loans worth $108.3M across 5+ states. Average loan $341K, average term 130 months, 14.3% default rate (resolved-loan basis).142 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 452 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Polish and Other Sanitation Good Manufacturing?+75% 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 Polish and Other Sanitation Good Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Polish and Other Sanitation Good Manufacturing?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Polish and Other Sanitation Good Manufacturing SBA Loans Most Common?
Top SBA Lenders for Polish and Other Sanitation Good Manufacturing
These banks have funded the most SBA loans for polish and other sanitation good manufacturing businesses (NAICS 325612). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 23 | $6.2M |
| 2 | Bank of America, National Association(NC) | 18 | $1.1M |
| 3 | Bank of Hope(CA) | 12 | $1.4M |
| 4 | JPMorgan Chase Bank, National Association(OH) | 11 | $1.1M |
| 5 | PNC Bank, National Association(DE) | 11 | $3.1M |
Polish and Other Sanitation Good Manufacturing Industry Context
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How Does SBA Lending Work for Polish and Other Sanitation Good Manufacturing Businesses?
Across all SBA loan programs, 318 loans have been approved for businesses classified under NAICS 325612 (Polish and Other Sanitation Good Manufacturing), representing $108.3M in total capital deployed. The average approved loan of $341K is near national avg the national SBA average of $340K, with typical repayment terms of 130 months.
SBA lending for polish and other sanitation good manufacturing is accelerating — loan volume has grown approximately 75% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2021.
The industry sees a balanced mix of SBA programs, with 17% 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 — Polish and Other Sanitation Good Manufacturing SBA Loans
What is the average SBA loan size for polish and other sanitation good manufacturing businesses?
Which SBA loan program is best for a polish and other sanitation good manufacturing business?
How many lenders fund SBA loans for polish and other sanitation good manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help polish and other sanitation good manufacturing businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Polish and Other Sanitation Good Manufacturing defined by NAICS code 325612. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.