How Much Can Women's and Girls' Cut and Sew Other Outerwear Manufacturing Businesses Get in SBA Loans?
186 SBA loans totaling $75.8M have been approved for women's and girls' cut and sew other outerwear manufacturing businesses (NAICS 315239). The average approved SBA loan is $407K, which is 20% above avg the $340K national average. 62 active lenders fund this industry with a 21.6% default rate on the matured 2018-2021 loan cohort.
At 21.6%, Women's and Girls' Cut and Sew Other Outerwear 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 315239 (Women's and Girls' Cut and Sew Other Outerwear Manufacturing) received 186 SBA loans worth $75.8M across 5+ states. Average loan $407K, average term 126 months, 21.6% default rate (resolved-loan basis).62 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 Women's and Girls' Cut and Sew Other Outerwear Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Women's and Girls' Cut and Sew Other Outerwear Manufacturing?
Versatile funding for working capital, equipment, and expansion — guaranty fee waiver on loans up to $950K in FY2026
Where Are Women's and Girls' Cut and Sew Other Outerwear Manufacturing SBA Loans Most Common?
Top SBA Lenders for Women's and Girls' Cut and Sew Other Outerwear Manufacturing
These banks have funded the most SBA loans for women's and girls' cut and sew other outerwear manufacturing businesses (NAICS 315239). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of Hope(CA) | 32 | $13.3M |
| 2 | Bank of America, National Association(NC) | 23 | $896K |
| 3 | CDC Small Business Finance Cor(CA) | 8 | $9.0M |
| 4 | Zions Bank, A Division of(UT) | 8 | $1.6M |
| 5 | JPMorgan Chase Bank, National Association(OH) | 8 | $400K |
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How Does SBA Lending Work for Women's and Girls' Cut and Sew Other Outerwear Manufacturing Businesses?
Across all SBA loan programs, 186 loans have been approved for businesses classified under NAICS 315239 (Women's and Girls' Cut and Sew Other Outerwear Manufacturing), representing $75.8M in total capital deployed. The average approved loan of $407K is 20% above avg the national SBA average of $340K, with typical repayment terms of 126 months.
SBA lending for women's and girls' cut and sew other outerwear manufacturing has remained relatively stable across recent fiscal years. 62 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The industry sees a balanced mix of SBA programs, with 12% 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 — Women's and Girls' Cut and Sew Other Outerwear Manufacturing SBA Loans
What is the average SBA loan size for women's and girls' cut and sew other outerwear manufacturing businesses?
Which SBA loan program is best for a women's and girls' cut and sew other outerwear manufacturing business?
How many lenders fund SBA loans for women's and girls' cut and sew other outerwear manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help women's and girls' cut and sew other outerwear manufacturing businesses get SBA loans?
Related Manufacturing Industries
Data aggregated from SBA loan records (1992–2025). Women's and Girls' Cut and Sew Other Outerwear Manufacturing defined by NAICS code 315239. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.