How Much Can Toilet Preparation Manufacturing Businesses Get in SBA Loans?
504 SBA loans totaling $296.2M have been approved for toilet preparation manufacturing businesses (NAICS 325620). The average approved SBA loan is $588K, which is 73% above avg the $340K national average. 169 active lenders fund this industry with a 20.3% default rate on the matured 2018-2021 loan cohort.
At 20.3%, Toilet Preparation Manufacturing 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 325620 (Toilet Preparation Manufacturing) received 504 SBA loans worth $296.2M across 5+ states. Average loan $588K, average term 128 months, 20.3% default rate (resolved-loan basis).169 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 1,124 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Toilet Preparation Manufacturing?-22% 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 Toilet Preparation Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Toilet Preparation Manufacturing?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Toilet Preparation Manufacturing SBA Loans Most Common?
Top SBA Lenders for Toilet Preparation Manufacturing
These banks have funded the most SBA loans for toilet preparation manufacturing businesses (NAICS 325620). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 37 | $8.4M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 34 | $4.8M |
| 3 | Bank of America, National Association(NC) | 29 | $8.6M |
| 4 | TD Bank, National Association(DE) | 17 | $6.5M |
| 5 | U.S. Bank, National Association(OH) | 16 | $10.4M |
Toilet Preparation Manufacturing Industry Context
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How Does SBA Lending Work for Toilet Preparation Manufacturing Businesses?
Across all SBA loan programs, 504 loans have been approved for businesses classified under NAICS 325620 (Toilet Preparation Manufacturing), representing $296.2M in total capital deployed. The average approved loan of $588K is 73% above avg the national SBA average of $340K, with typical repayment terms of 128 months.
SBA lending for toilet preparation manufacturing has contracted approximately 22% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 169 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 18% 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 — Toilet Preparation Manufacturing SBA Loans
What is the average SBA loan size for toilet preparation manufacturing businesses?
Which SBA loan program is best for a toilet preparation manufacturing business?
How many lenders fund SBA loans for toilet preparation manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help toilet preparation manufacturing businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Toilet Preparation Manufacturing defined by NAICS code 325620. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.