How Much Can Retail Bakeries Businesses Get in SBA Loans?
4,207 SBA loans totaling $1.2B have been approved for retail bakeries businesses (NAICS 311811). The average approved SBA loan is $287K, which is 16% below avg the $340K national average. 708 active lenders fund this industry with a 16.0% default rate on the matured 2018-2021 loan cohort.
At 16.0%, Retail Bakeries sits above the 15.4% all industry SBA default rate (charged off as a share of resolved loans), above average default risk relative to other SBA industries. The capital source prices this risk into rate and structure.
NAICS 311811 (Retail Bakeries) received 4,207 SBA loans worth $1.2B across 5+ states. Average loan $287K, average term 121 months, 16.0% default rate (resolved loan basis).708 active SBA approved lenders fund this industry.Manufacturers in NAICS 31 to 33 qualify for FY2027 SBA fee terms and can access the MARC revolving credit program.
Is SBA Lending Growing for Retail Bakeries?+13% growth
FY2027 Manufacturing Fee Waivers Active
The SBA has waived both 504 fees for manufacturers in NAICS 31 to 33 through September 30, 2027:
504 loans: all guaranty fees waived for manufacturing
7(a) loans of $700,000 or less: 0% upfront fee for manufacturers
Revolving credit line: manufacturers only, launched 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 Retail Bakeries Businesses Use Most?
What Is the Best SBA Loan for Retail Bakeries?
Versatile funding for working capital, equipment, and expansion. 7(a) upfront fee is 0% for qualifying manufacturers on loans of $700,000 or less in FY2027
Where Are Retail Bakeries SBA Loans Most Common?
SBA Lending Activity in Retail Bakeries
708 SBA lenders have funded 4,207 loans to retail bakeries businesses (NAICS 311811). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.
Talk to PeerSense
PeerSense sources capital for retail bakeries businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Talk to PeerSense about financing a Retail Bakeries business.
Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.
SBA 7(a) / 504: PeerSense will reach out. No obligation.
How Does SBA Lending Work for Retail Bakeries Businesses?
Across all SBA loan programs, 4,207 loans have been approved for businesses classified under NAICS 311811 (Retail Bakeries), representing $1.2B in total capital deployed. The average approved loan of $287K is 16% below avg the national SBA average of $340K, with typical repayment terms of 121 months.
SBA lending for retail bakeries is accelerating. Loan volume has grown approximately 13% 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 6% 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 to 33, you qualify for FY2027 SBA fee terms through September 30, 2027. For manufacturers, the SBA has waived the 504 upfront guaranty fee and annual service fee, and the 7(a) upfront fee is 0% on loans of $700,000 or less. 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: Retail Bakeries SBA Loans
What is the average SBA loan size for retail bakeries businesses?
Which SBA loan program is best for a retail bakeries business?
How many lenders fund SBA loans for retail bakeries?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help retail bakeries businesses get SBA loans?
Related Manufacturing Industries
Breweries
Commercial Bakeries
Wineries
All Other Miscellaneous Food Manufacturing
Coffee and Tea Manufacturing
Ice Cream and Frozen Dessert Manufacturing
Data aggregated from SBA loan records (1992 to 2025). Retail Bakeries defined by NAICS code 311811. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.