How Much Can Women's Handbag and Purse Manufacturing Businesses Get in SBA Loans?
125 SBA loans totaling $21.2M have been approved for women's handbag and purse manufacturing businesses (NAICS 316992). The average approved SBA loan is $170K, which is 50% below avg the $340K national average. 52 active lenders fund this industry with a 22.9% default rate on the matured 2018-2021 loan cohort.
At 22.9%, Women's Handbag and Purse 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 316992 (Women's Handbag and Purse Manufacturing) received 125 SBA loans worth $21.2M across 5+ states. Average loan $170K, average term 90 months, 22.9% default rate (resolved-loan basis).52 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 76 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Women's Handbag and Purse Manufacturing?-80% 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 Women's Handbag and Purse Manufacturing Businesses Use Most?
What Is the Best SBA Loan for Women's Handbag and Purse Manufacturing?
Versatile funding for working capital, equipment, and expansion — guaranty fee waiver on loans up to $950K in FY2026
Where Are Women's Handbag and Purse Manufacturing SBA Loans Most Common?
Top SBA Lenders for Women's Handbag and Purse Manufacturing
These banks have funded the most SBA loans for women's handbag and purse manufacturing businesses (NAICS 316992). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 20 | $862K |
| 2 | JPMorgan Chase Bank, National Association(OH) | 8 | $671K |
| 3 | Enterprise Bank(PA) | 7 | $5.7M |
| 4 | VelocitySBA, LLC(TX) | 7 | $65K |
| 5 | TD Bank, National Association(DE) | 6 | $245K |
Women's Handbag and Purse Manufacturing Industry Context
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How Does SBA Lending Work for Women's Handbag and Purse Manufacturing Businesses?
Across all SBA loan programs, 125 loans have been approved for businesses classified under NAICS 316992 (Women's Handbag and Purse Manufacturing), representing $21.2M in total capital deployed. The average approved loan of $170K is 50% below avg the national SBA average of $340K, with typical repayment terms of 90 months.
SBA lending for women's handbag and purse manufacturing has contracted approximately 80% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 52 lenders remain active, maintaining competitive options for qualified borrowers.
The overwhelming majority of SBA lending for women's handbag and purse manufacturing uses the 7(a) program, which provides the most flexibility — covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.
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 Handbag and Purse Manufacturing SBA Loans
What is the average SBA loan size for women's handbag and purse manufacturing businesses?
Which SBA loan program is best for a women's handbag and purse manufacturing business?
How many lenders fund SBA loans for women's handbag and purse manufacturing?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help women's handbag and purse manufacturing businesses get SBA loans?
Related Manufacturing Industries
Data aggregated from SBA loan records (1992–2025). Women's Handbag and Purse Manufacturing defined by NAICS code 316992. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.