How Much Can Postharvest Crop Activities (except Cotton Ginning) Businesses Get in SBA Loans?
294 SBA loans totaling $228.2M have been approved for postharvest crop activities (except cotton ginning) businesses (NAICS 115114). The average approved SBA loan is $776K, which is 128% above avg the $340K national average. 138 active lenders fund this industry with a 6.9% default rate on the matured 2018-2021 loan cohort.
At 6.9%, Postharvest Crop Activities (except Cotton Ginning) sits well below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — low 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 115114 (Postharvest Crop Activities (except Cotton Ginning)) received 294 SBA loans worth $228.2M across 5+ states. Average loan $776K, average term 132 months, 6.9% default rate (resolved-loan basis).138 active SBA-approved lenders fund this industry. Most postharvest crop activities (except cotton ginning) loans use the SBA 504 program. There are approximately 1,101 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Postharvest Crop Activities (except Cotton Ginning)?+83% growth
Which SBA Program Do Postharvest Crop Activities (except Cotton Ginning) Businesses Use Most?
What Is the Best SBA Loan for Postharvest Crop Activities (except Cotton Ginning)?
21% of postharvest crop activities (except cotton ginning) loans use this program — ideal for real estate and major equipment purchases
Where Are Postharvest Crop Activities (except Cotton Ginning) SBA Loans Most Common?
Top SBA Lenders for Postharvest Crop Activities (except Cotton Ginning)
These banks have funded the most SBA loans for postharvest crop activities (except cotton ginning) businesses (NAICS 115114). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 13 | $2.8M |
| 2 | Wells Fargo Bank National Association(SD) | 10 | $3.8M |
| 3 | Dakota Business Lending(ND) | 8 | $3.3M |
| 4 | Farmers & Merchants Bank of North Dakota(ND) | 8 | $3.4M |
| 5 | Old National Bank(IN) | 7 | $3.5M |
Postharvest Crop Activities (except Cotton Ginning) Industry Context
Ready to Fund Your Postharvest Crop Activities (except Cotton Ginning) Business?
PeerSense places SBA loans for postharvest crop activities (except cotton ginning) businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
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How Does SBA Lending Work for Postharvest Crop Activities (except Cotton Ginning) Businesses?
Across all SBA loan programs, 294 loans have been approved for businesses classified under NAICS 115114 (Postharvest Crop Activities (except Cotton Ginning)), representing $228.2M in total capital deployed. The average approved loan of $776K is 128% above avg the national SBA average of $340K, with typical repayment terms of 132 months.
SBA lending for postharvest crop activities (except cotton ginning) is accelerating — loan volume has grown approximately 83% 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 postharvest crop activities (except cotton ginning) 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.
PeerSense specializes in matching postharvest crop activities (except cotton ginning) business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Postharvest Crop Activities (except Cotton Ginning) SBA Loans
What is the average SBA loan size for postharvest crop activities (except cotton ginning) businesses?
Which SBA loan program is best for a postharvest crop activities (except cotton ginning) business?
How many lenders fund SBA loans for postharvest crop activities (except cotton ginning)?
What states have the most SBA lending for postharvest crop activities (except cotton ginning)?
How does PeerSense help postharvest crop activities (except cotton ginning) businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Postharvest Crop Activities (except Cotton Ginning) defined by NAICS code 115114. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.