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 9.9% historical default rate.
NAICS 311811 (Retail Bakeries) received 4,207 SBA loans worth $1.2B across 5+ states. Average loan $287K, average term 121 months, default rate 9.9%.708 active SBA-approved lenders fund this industry. Manufacturers (NAICS 31-33) qualify for FY2026 SBA fee waivers and the new MARC revolving credit program.
Is SBA Lending Growing for Retail Bakeries?+13% 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 Retail Bakeries Businesses Use Most?
What Is the Best SBA Loan for Retail Bakeries?
Versatile funding for working capital, equipment, and expansion — guaranty fee waiver on loans up to $950K in FY2026
Where Are Retail Bakeries SBA Loans Most Common?
Top SBA Lenders for Retail Bakeries
These banks have funded the most SBA loans for retail bakeries businesses (NAICS 311811). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Readycap Lending, LLC(NJ) | 337 | $200.1M |
| 2 | The Huntington National Bank(OH) | 191 | $25.2M |
| 3 | Bank of America, National Association(NC) | 147 | $10.5M |
| 4 | Wells Fargo Bank National Association(SD) | 146 | $25.5M |
| 5 | JPMorgan Chase Bank, National Association(OH) | 135 | $15.7M |
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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 31-33, 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 — 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 (1992–2025). Retail Bakeries defined by NAICS code 311811. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.