How Much Can Prefabricated Wood Building Manufacturing Businesses Get in SBA Loans?
392 SBA loans totaling $162.6M have been approved for prefabricated wood building manufacturing businesses (NAICS 321992). The average approved SBA loan is $415K, which is 22% above avg the $340K national average. 171 active lenders fund this industry with a 19.3% default rate on the matured 2018-2021 loan cohort.
At 19.3%, Prefabricated Wood Building Manufacturing sits well above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — elevated 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 321992 (Prefabricated Wood Building Manufacturing) received 392 SBA loans worth $162.6M across 5+ states. Average loan $415K, average term 139 months, 19.3% default rate (resolved-loan basis).171 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 752 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Prefabricated Wood Building Manufacturing?+267% 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 Prefabricated Wood Building Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Prefabricated Wood Building Manufacturing?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Prefabricated Wood Building Manufacturing SBA Loans Most Common?
Top SBA Lenders for Prefabricated Wood Building Manufacturing
These banks have funded the most SBA loans for prefabricated wood building manufacturing businesses (NAICS 321992). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 25 | $9.3M |
| 2 | U.S. Bank, National Association(OH) | 18 | $4.7M |
| 3 | The Huntington National Bank(OH) | 13 | $6.5M |
| 4 | Bank of America, National Association(NC) | 11 | $3.5M |
| 5 | PNC Bank, National Association(DE) | 9 | $4.0M |
Prefabricated Wood Building Manufacturing Industry Context
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How Does SBA Lending Work for Prefabricated Wood Building Manufacturing Businesses?
Across all SBA loan programs, 392 loans have been approved for businesses classified under NAICS 321992 (Prefabricated Wood Building Manufacturing), representing $162.6M in total capital deployed. The average approved loan of $415K is 22% above avg the national SBA average of $340K, with typical repayment terms of 139 months.
SBA lending for prefabricated wood building manufacturing is accelerating — loan volume has grown approximately 267% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2024.
The industry sees a balanced mix of SBA programs, with 19% 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 — Prefabricated Wood Building Manufacturing SBA Loans
What is the average SBA loan size for prefabricated wood building manufacturing businesses?
Which SBA loan program is best for a prefabricated wood building manufacturing business?
How many lenders fund SBA loans for prefabricated wood building manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help prefabricated wood building manufacturing businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Prefabricated Wood Building Manufacturing defined by NAICS code 321992. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.