How Much Can Pulp Mills Businesses Get in SBA Loans?
18 SBA loans totaling $16.4M have been approved for pulp mills businesses (NAICS 322110). The average approved SBA loan is $911K, which is 167% above avg the $340K national average. 17 active lenders fund this industry.
NAICS 322110 (Pulp Mills) received 18 SBA loans worth $16.4M across 5+ states. Average loan $911K, average term 140 months.17 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 Pulp Mills Businesses Use Most?
What Is the Best SBA Loan for Pulp Mills?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Pulp Mills SBA Loans Most Common?
Top SBA Lenders for Pulp Mills
These banks have funded the most SBA loans for pulp mills businesses (NAICS 322110). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association(OH) | 2 | $1.8M |
| 2 | Ohio Statewide Development Cor(OH) | 1 | $465K |
| 3 | Citibank, N.A.(SD) | 1 | $25K |
| 4 | Empire State Certified Develop(NY) | 1 | $3.1M |
| 5 | South Dakota Development Corpo(SD) | 1 | $1.8M |
Pulp Mills Industry Context
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How Does SBA Lending Work for Pulp Mills Businesses?
Across all SBA loan programs, 18 loans have been approved for businesses classified under NAICS 322110 (Pulp Mills), representing $16.4M in total capital deployed. The average approved loan of $911K is 167% above avg the national SBA average of $340K, with typical repayment terms of 140 months.
SBA lending for pulp mills has remained relatively stable across recent fiscal years. 17 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
Notably, 22% of SBA loans in this industry use the 504 program — well above the national average — indicating that pulp mills 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 — Pulp Mills SBA Loans
What is the average SBA loan size for pulp mills businesses?
Which SBA loan program is best for a pulp mills business?
How many lenders fund SBA loans for pulp mills?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help pulp mills businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Pulp Mills defined by NAICS code 322110. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.