How much do SBA lenders typically lend to a confectionery manufacturing from purchased chocolate business?

The median SBA approval in NAICS 311330 is $82,000, with the middle 80% of loans between $14,000 and $510,000. Across all industries the median is $180,000.

Which lenders are most active in confectionery manufacturing from purchased chocolate?

By dollars approved: B:Side Capital, Regions Bank, The Huntington National Bank, BMO Bank, Bay Area Employment Development Company. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

Is confectionery manufacturing from purchased chocolate considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 3.9% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 311330 · Manufacturing

SBA loans for confectionery manufacturing from purchased chocolate

62 SBA loans worth $12.3M have been approved in this industry since FY2010 - the #802 most-financed NAICS code in the country.

Median loan

$82,000

-54% vs all industries

Typical range

$14K-$510K

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

7 yr

Charge-off rate

3.9%

vs 7.6% all industries

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Most active in this industry

Lender	Loans	Approved
B:Side Capital	1	$1.8M
Regions Bank	1	$1.2M
The Huntington National Bank	5	$1.1M
BMO Bank	1	$855K
Bay Area Employment Development Company	1	$752K
Business Finance Group, Inc.	1	$540K
Empire State Certified Development Corporation	1	$510K
Pivotal Business Partners	2	$491K
Glacier Bank	2	$450K
Wells Fargo Bank	3	$393K

Geography

Where these loans were made

State	Loans	Share
New York	10
Massachusetts	7
Vermont	5
California	5
Colorado	4
Utah	4
Ohio	4
New Hampshire	3

Approvals by fiscal year

’10

’11

’12

’13

’14

’23

’24

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
40%
$50K - $150K
31%
$150K - $350K
13%
$350K - $1M
11%
$1M - $2M
5%

Nearby

Other manufacturing industries

See the sector

Breweries4,377 · $265,000 Retail Bakeries2,557 · $150,000 Commercial Bakeries1,411 · $150,000 Wineries1,122 · $210,000 All Other Miscellaneous Food Manufacturing1,008 · $300,000 Coffee and Tea Manufacturing804 · $127,750 Apparel Accessories and Other Apparel Manufacturing782 · $200,000 Distilleries769 · $250,000

Common questions

How much do SBA lenders typically lend to a confectionery manufacturing from purchased chocolate business?: The median SBA approval in NAICS 311330 is $82,000, with the middle 80% of loans between $14,000 and $510,000. Across all industries the median is $180,000.
Which lenders are most active in confectionery manufacturing from purchased chocolate?: By dollars approved: B:Side Capital, Regions Bank, The Huntington National Bank, BMO Bank, Bay Area Employment Development Company. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
Is confectionery manufacturing from purchased chocolate considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 3.9% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

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