SBA loans for all other miscellaneous manufacturing
NAICS 339999 · Program that usually fits: 504 or 7(a)
Manufacturers get the best 504 terms, with a lower rate and a higher SBA portion. Use 7(a) for working capital and mixed-purpose loans.
What borrowers use the money for
- Machinery and equipment
- Plant purchase or expansion
- Working capital
Example: a $1,500,000 loan
At today's maximum variable 7(a) rate of 10.00% over 20 years, the payment would be about $14,475 a month. Most well-qualified borrowers get a lower rate. On a 504 project, the SBA-backed 40% would be fixed at 6.74% (October 2026, 25-year, manufacturing). Try your own numbers.
Today's rate caps
| Loan amount | Maximum spread | Maximum variable rate today |
|---|---|---|
| $50,000 or less | Prime + 6.5 | 13.50% |
| $50,001 to $250,000 | Prime + 6.0 | 13.00% |
| $250,001 to $350,000 | Prime + 4.5 | 11.50% |
| Over $350,000 | Prime + 3.0 | 10.00% |
Questions
Can a manufacturing business get an SBA loan?
Yes, if the business is for-profit, meets SBA size standards for NAICS 339999, and can show it can repay. Manufacturers get the best 504 terms, with a lower rate and a higher SBA portion.
What is the NAICS code for all other miscellaneous manufacturing?
NAICS 339999. Lenders use it to check SBA size standards and eligibility.
Sources: SBA 7(a) terms, conditions and maximum variable rates; Federal Reserve H.15 selected interest rates (bank prime loan rate); October 2026 SBA 504 debenture pricing, as published by CDCs; SBA FOIA 7(a) and 504 loan-level data.