How Much Can Womenâs, Girlsâ, and Infantsâ Cut and Sew Apparel Manufacturing Businesses Get in SBA Loans?
230 SBA loans totaling $198.4M have been approved for womenâs, girlsâ, and infantsâ cut and sew apparel manufacturing businesses (NAICS 315240). The average approved SBA loan is $863K, which is 153% above avg the $340K national average. 90 active lenders fund this industry with a 15.1% default rate on the matured 2018-2021 loan cohort.
At 15.1%, Womenâs, Girlsâ, and Infantsâ Cut and Sew Apparel Manufacturing sits below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — moderate 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 315240 (Womenâs, Girlsâ, and Infantsâ Cut and Sew Apparel Manufacturing) received 230 SBA loans worth $198.4M across 5+ states. Average loan $863K, average term 158 months, 15.1% default rate (resolved-loan basis).90 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 689 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Womenâs, Girlsâ, and Infantsâ Cut and Sew Apparel Manufacturing?-77% 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 Womenâs, Girlsâ, and Infantsâ Cut and Sew Apparel Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Womenâs, Girlsâ, and Infantsâ Cut and Sew Apparel Manufacturing?
Most popular for manufacturing equipment and real estate — with 0% guaranty fees in FY2026
Where Are Womenâs, Girlsâ, and Infantsâ Cut and Sew Apparel Manufacturing SBA Loans Most Common?
Top SBA Lenders for Womenâs, Girlsâ, and Infantsâ Cut and Sew Apparel Manufacturing
These banks have funded the most SBA loans for womenâs, girlsâ, and infantsâ cut and sew apparel manufacturing businesses (NAICS 315240). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Business Finance Capital(CA) | 28 | $57.1M |
| 2 | Wells Fargo Bank National Association(SD) | 25 | $15.5M |
| 3 | Bank of Hope(CA) | 12 | $6.3M |
| 4 | JPMorgan Chase Bank, National Association(OH) | 11 | $867K |
| 5 | PCB Bank(CA) | 8 | $10.2M |
Womenâs, Girlsâ, and Infantsâ Cut and Sew Apparel Manufacturing Industry Context
Ready to Fund Your Womenâs, Girlsâ, and Infantsâ Cut and Sew Apparel Manufacturing Business?
PeerSense places SBA loans for womenâs, girlsâ, and infantsâ cut and sew apparel manufacturing businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
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How Does SBA Lending Work for Womenâs, Girlsâ, and Infantsâ Cut and Sew Apparel Manufacturing Businesses?
Across all SBA loan programs, 230 loans have been approved for businesses classified under NAICS 315240 (Womenâs, Girlsâ, and Infantsâ Cut and Sew Apparel Manufacturing), representing $198.4M in total capital deployed. The average approved loan of $863K is 153% above avg the national SBA average of $340K, with typical repayment terms of 158 months.
SBA lending for womenâs, girlsâ, and infantsâ cut and sew apparel manufacturing has contracted approximately 77% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 90 lenders remain active, maintaining competitive options for qualified borrowers.
Notably, 22% of SBA loans in this industry use the 504 program — well above the national average — indicating that womenâs, girlsâ, and infantsâ cut and sew apparel manufacturing businesses frequently finance major fixed assets like real estate, heavy equipment, or facility buildouts. The 504 program offers up to $5.5M with below-market fixed rates and only 10% down from the borrower.
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 — Womenâs, Girlsâ, and Infantsâ Cut and Sew Apparel Manufacturing SBA Loans
What is the average SBA loan size for womenâs, girlsâ, and infantsâ cut and sew apparel manufacturing businesses?
Which SBA loan program is best for a womenâs, girlsâ, and infantsâ cut and sew apparel manufacturing business?
How many lenders fund SBA loans for womenâs, girlsâ, and infantsâ cut and sew apparel manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help womenâs, girlsâ, and infantsâ cut and sew apparel manufacturing businesses get SBA loans?
Related Manufacturing Industries
Data aggregated from SBA loan records (1992–2025). Womenâs, Girlsâ, and Infantsâ Cut and Sew Apparel Manufacturing defined by NAICS code 315240. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.