How Much Can Railroad Rolling Stock Manufacturing Businesses Get in SBA Loans?
58 SBA loans totaling $53.0M have been approved for railroad rolling stock manufacturing businesses (NAICS 336510). The average approved SBA loan is $913K, which is 168% above avg the $340K national average. 38 active lenders fund this industry.
NAICS 336510 (Railroad Rolling Stock Manufacturing) received 58 SBA loans worth $53.0M across 5+ states. Average loan $913K, average term 124 months.38 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 211 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Railroad Rolling Stock Manufacturing?+100% 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 Railroad Rolling Stock Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Railroad Rolling Stock Manufacturing?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Railroad Rolling Stock Manufacturing SBA Loans Most Common?
Top SBA Lenders for Railroad Rolling Stock Manufacturing
These banks have funded the most SBA loans for railroad rolling stock manufacturing businesses (NAICS 336510). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 6 | $3.8M |
| 2 | Citizens & Northern Bank(PA) | 4 | $4.5M |
| 3 | IncredibleBank(WI) | 3 | $1.1M |
| 4 | Regent Bank(OK) | 3 | $1.6M |
| 5 | The Central Trust Bank(MO) | 2 | $1.4M |
Railroad Rolling Stock Manufacturing Industry Context
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How Does SBA Lending Work for Railroad Rolling Stock Manufacturing Businesses?
Across all SBA loan programs, 58 loans have been approved for businesses classified under NAICS 336510 (Railroad Rolling Stock Manufacturing), representing $53.0M in total capital deployed. The average approved loan of $913K is 168% above avg the national SBA average of $340K, with typical repayment terms of 124 months.
SBA lending for railroad rolling stock manufacturing is accelerating — loan volume has grown approximately 100% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.
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 — Railroad Rolling Stock Manufacturing SBA Loans
What is the average SBA loan size for railroad rolling stock manufacturing businesses?
Which SBA loan program is best for a railroad rolling stock manufacturing business?
How many lenders fund SBA loans for railroad rolling stock manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help railroad rolling stock manufacturing businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Railroad Rolling Stock Manufacturing defined by NAICS code 336510. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.