How Much Can Wood Preservation Businesses Get in SBA Loans?
150 SBA loans totaling $43.1M have been approved for wood preservation businesses (NAICS 321114). The average approved SBA loan is $287K, which is 16% below avg the $340K national average. 81 active lenders fund this industry with a 17.5% default rate on the matured 2018-2021 loan cohort.
At 17.5%, Wood Preservation sits above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — above average 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 321114 (Wood Preservation) received 150 SBA loans worth $43.1M across 5+ states. Average loan $287K, average term 116 months, 17.5% default rate (resolved-loan basis).81 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 361 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Wood Preservation?+400% growth
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 Wood Preservation Businesses Use Most?
What Is the Best SBA Loan for Wood Preservation?
Versatile funding for working capital, equipment, and expansion — guaranty fee waiver on loans up to $950K in FY2026
Where Are Wood Preservation SBA Loans Most Common?
Top SBA Lenders for Wood Preservation
These banks have funded the most SBA loans for wood preservation businesses (NAICS 321114). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Zions Bank, A Division of(UT) | 8 | $1.3M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 7 | $1.2M |
| 3 | U.S. Bank, National Association(OH) | 6 | $675K |
| 4 | The Huntington National Bank(OH) | 6 | $355K |
| 5 | Brookline Bank, a Division of Beacon Bank and Trust(MA) | 6 | $5.0M |
Wood Preservation Industry Context
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How Does SBA Lending Work for Wood Preservation Businesses?
Across all SBA loan programs, 150 loans have been approved for businesses classified under NAICS 321114 (Wood Preservation), representing $43.1M in total capital deployed. The average approved loan of $287K is 16% below avg the national SBA average of $340K, with typical repayment terms of 116 months.
SBA lending for wood preservation is accelerating — loan volume has grown approximately 400% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2017.
The industry sees a balanced mix of SBA programs, with 8% 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 — Wood Preservation SBA Loans
What is the average SBA loan size for wood preservation businesses?
Which SBA loan program is best for a wood preservation business?
How many lenders fund SBA loans for wood preservation?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help wood preservation businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Wood Preservation defined by NAICS code 321114. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.