How Much Can Tire Retreading Businesses Get in SBA Loans?
107 SBA loans totaling $37.3M have been approved for tire retreading businesses (NAICS 326212). The average approved SBA loan is $349K, which is near national avg the $340K national average. 56 active lenders fund this industry.
NAICS 326212 (Tire Retreading) received 107 SBA loans worth $37.3M across 5+ states. Average loan $349K, average term 113 months.56 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 350 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Tire Retreading?-50% decline
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 Tire Retreading Businesses Use Most?
What Is the Best SBA Loan for Tire Retreading?
Versatile funding for working capital, equipment, and expansion — guaranty fee waiver on loans up to $950K in FY2026
Where Are Tire Retreading SBA Loans Most Common?
Top SBA Lenders for Tire Retreading
These banks have funded the most SBA loans for tire retreading businesses (NAICS 326212). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of Hope(CA) | 12 | $130K |
| 2 | Bank of America, National Association(NC) | 9 | $515K |
| 3 | JPMorgan Chase Bank, National Association(OH) | 7 | $276K |
| 4 | Manufacturers and Traders Trust Company(NY) | 6 | $4.4M |
| 5 | PNC Bank, National Association(DE) | 5 | $760K |
Tire Retreading Industry Context
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How Does SBA Lending Work for Tire Retreading Businesses?
Across all SBA loan programs, 107 loans have been approved for businesses classified under NAICS 326212 (Tire Retreading), representing $37.3M in total capital deployed. The average approved loan of $349K is near national avg the national SBA average of $340K, with typical repayment terms of 113 months.
SBA lending for tire retreading has contracted approximately 50% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 56 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 13% 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 — Tire Retreading SBA Loans
What is the average SBA loan size for tire retreading businesses?
Which SBA loan program is best for a tire retreading business?
How many lenders fund SBA loans for tire retreading?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help tire retreading businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Tire Retreading defined by NAICS code 326212. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.