How Much Can Ready-Mix Concrete Manufacturing Businesses Get in SBA Loans?
594 SBA loans totaling $352.4M have been approved for ready-mix concrete manufacturing businesses (NAICS 327320). The average approved SBA loan is $593K, which is 74% above avg the $340K national average. 265 active lenders fund this industry with a 12.4% default rate on the matured 2018-2021 loan cohort.
At 12.4%, Ready-Mix Concrete 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 327320 (Ready-Mix Concrete Manufacturing) received 594 SBA loans worth $352.4M across 5+ states. Average loan $593K, average term 131 months, 12.4% default rate (resolved-loan basis).265 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 5,969 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Ready-Mix Concrete Manufacturing?
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 Ready-Mix Concrete Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Ready-Mix Concrete Manufacturing?
Versatile funding for working capital, equipment, and expansion — guaranty fee waiver on loans up to $950K in FY2026
Where Are Ready-Mix Concrete Manufacturing SBA Loans Most Common?
Top SBA Lenders for Ready-Mix Concrete Manufacturing
These banks have funded the most SBA loans for ready-mix concrete manufacturing businesses (NAICS 327320). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 38 | $10.1M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 19 | $8.3M |
| 3 | U.S. Bank, National Association(OH) | 15 | $4.9M |
| 4 | The Huntington National Bank(OH) | 14 | $3.7M |
| 5 | GE Capital Small Business Finance Corporation(TX) | 10 | $9.0M |
Ready-Mix Concrete Manufacturing Industry Context
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How Does SBA Lending Work for Ready-Mix Concrete Manufacturing Businesses?
Across all SBA loan programs, 594 loans have been approved for businesses classified under NAICS 327320 (Ready-Mix Concrete Manufacturing), representing $352.4M in total capital deployed. The average approved loan of $593K is 74% above avg the national SBA average of $340K, with typical repayment terms of 131 months.
SBA lending for ready-mix concrete manufacturing has remained relatively stable across recent fiscal years. 265 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The industry sees a balanced mix of SBA programs, with 14% 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 — Ready-Mix Concrete Manufacturing SBA Loans
What is the average SBA loan size for ready-mix concrete manufacturing businesses?
Which SBA loan program is best for a ready-mix concrete manufacturing business?
How many lenders fund SBA loans for ready-mix concrete manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help ready-mix concrete manufacturing businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Ready-Mix Concrete Manufacturing defined by NAICS code 327320. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.