How Much Can Schiffli Machine Embroidery Businesses Get in SBA Loans?
153 SBA loans totaling $16.5M have been approved for schiffli machine embroidery businesses (NAICS 313222). The average approved SBA loan is $108K, which is 68% below avg the $340K national average. 68 active lenders fund this industry with a 19.9% default rate on the matured 2018-2021 loan cohort.
At 19.9%, Schiffli Machine Embroidery sits well above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — elevated 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 313222 (Schiffli Machine Embroidery) received 153 SBA loans worth $16.5M across 5+ states. Average loan $108K, average term 94 months, 19.9% default rate (resolved-loan basis).68 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 Schiffli Machine Embroidery Businesses Use Most?
What Is the Best SBA Loan for Schiffli Machine Embroidery?
Versatile funding for working capital, equipment, and expansion — guaranty fee waiver on loans up to $950K in FY2026
Where Are Schiffli Machine Embroidery SBA Loans Most Common?
Top SBA Lenders for Schiffli Machine Embroidery
These banks have funded the most SBA loans for schiffli machine embroidery businesses (NAICS 313222). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | VelocitySBA, LLC(TX) | 13 | $113K |
| 2 | JPMorgan Chase Bank, National Association(OH) | 9 | $565K |
| 3 | Bank of America, National Association(NC) | 8 | $272K |
| 4 | Wells Fargo Bank National Association(SD) | 7 | $1.6M |
| 5 | U.S. Bank, National Association(OH) | 7 | $2.0M |
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How Does SBA Lending Work for Schiffli Machine Embroidery Businesses?
Across all SBA loan programs, 153 loans have been approved for businesses classified under NAICS 313222 (Schiffli Machine Embroidery), representing $16.5M in total capital deployed. The average approved loan of $108K is 68% below avg the national SBA average of $340K, with typical repayment terms of 94 months.
SBA lending for schiffli machine embroidery has remained relatively stable across recent fiscal years. 68 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The overwhelming majority of SBA lending for schiffli machine embroidery uses the 7(a) program, which provides the most flexibility — covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.
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 — Schiffli Machine Embroidery SBA Loans
What is the average SBA loan size for schiffli machine embroidery businesses?
Which SBA loan program is best for a schiffli machine embroidery business?
How many lenders fund SBA loans for schiffli machine embroidery?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help schiffli machine embroidery businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Schiffli Machine Embroidery defined by NAICS code 313222. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.