SBA loans for small Manufacturers
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 6.34% (November 2026, 25-year, manufacturing). Try your own numbers.
Free · takes 1 minute · no credit check
Get matched with an SBA lender
Answer four questions and see SBA lenders that fit your state, loan size and industry, with your maximum rate. Compare at least two quotes before you sign. Rates move monthly: check current SBA loan rates and the 504 rate.
Today's rate caps
These are the SBA's maximum 7(a) rates with prime at 7.00%. See current SBA 7(a) rates and SBA 504 rates.
| 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% |
Related industries and lenders
Related industries
SBA lenders active nationwide
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); November 2026 SBA 504 debenture pricing, as published by CDCs; SBA FOIA 7(a) and 504 loan-level data.