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. The capital source prices this risk into rate and structure.
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 in NAICS 31 to 33 qualify for FY2027 SBA fee terms and can access the 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
FY2027 Manufacturing Fee Waivers Active
The SBA has waived both 504 fees for manufacturers in NAICS 31 to 33 through September 30, 2027:
504 loans: all guaranty fees waived for manufacturing
7(a) loans of $700,000 or less: 0% upfront fee for manufacturers
Revolving credit line: manufacturers only, launched 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?
Popular for manufacturing equipment and real estate, with 504 fees waived in FY2027
Where Are Womenâs, Girlsâ, and Infantsâ Cut and Sew Apparel Manufacturing SBA Loans Most Common?
SBA Lending Activity in Womenâs, Girlsâ, and Infantsâ Cut and Sew Apparel Manufacturing
90 SBA lenders have funded 230 loans to womenâs, girlsâ, and infantsâ cut and sew apparel manufacturing businesses (NAICS 315240). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.
Womenâs, Girlsâ, and Infantsâ Cut and Sew Apparel Manufacturing Industry Context
Talk to PeerSense
PeerSense sources capital for womenâs, girlsâ, and infantsâ cut and sew apparel manufacturing businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Talk to PeerSense about financing a Womenâs, Girlsâ, and Infantsâ Cut and Sew Apparel Manufacturing business.
Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.
SBA 7(a) / 504: PeerSense will reach out. No obligation.
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 to 33, you qualify for FY2027 SBA fee terms through September 30, 2027. For manufacturers, the SBA has waived the 504 upfront guaranty fee and annual service fee, and the 7(a) upfront fee is 0% on loans of $700,000 or less. 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 to 2025). Womenâs, Girlsâ, and Infantsâ Cut and Sew Apparel Manufacturing defined by NAICS code 315240. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.