NAICS 311352 · Manufacturing
SBA loans for confectionery manufacturing from purchased chocolate
154 SBA loans worth $75.6M have been approved in this industry since FY2010 - the #594 most-financed NAICS code in the country.
Median loan
$200,000
+11% vs all industries
Typical range
$25K-$1.3M
Middle 80%
Median rate
6.88%
7(a) initial note rate
Median term
10 yr
Charge-off rate
7.1%
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 | Share |
|---|---|---|---|
| Trenton Business Assistance Corporation | 3 | $6.5M | |
| Newtek Bank | 5 | $6.0M | |
| Empire State Certified Development Corporation | 1 | $5.4M | |
| Newtek Small Business Finance, Inc. | 2 | $4.9M | |
| Banesco USA | 2 | $4.6M | |
| Small Business Growth Corporation | 3 | $4.1M | |
| Southland Economic Development Corporation | 1 | $2.9M | |
| Twin Cities-Metro Certified Development Company | 2 | $2.8M | |
| Manufacturers and Traders Trust Company | 6 | $2.5M | |
| The Huntington National Bank | 11 | $2.2M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| New York | 16 | |
| California | 15 | |
| Pennsylvania | 12 | |
| Illinois | 10 | |
| Massachusetts | 8 | |
| Wisconsin | 8 | |
| Washington | 7 | |
| Florida | 7 |
Approvals by fiscal year
’12
’13
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
’26
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K14%
- $50K - $150K26%
- $150K - $350K26%
- $350K - $1M20%
- $1M - $2M8%
- Over $2M6%
Nearby
Other manufacturing industries
Breweries4,377 · $265,000Retail Bakeries2,557 · $150,000Commercial Bakeries1,411 · $150,000Wineries1,122 · $210,000All Other Miscellaneous Food Manufacturing1,008 · $300,000Coffee and Tea Manufacturing804 · $127,750Apparel Accessories and Other Apparel Manufacturing782 · $200,000Distilleries769 · $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 311352 is $200,000, with the middle 80% of loans between $25,000 and $1,300,000. Across all industries the median is $180,000.
- Which lenders are most active in confectionery manufacturing from purchased chocolate?
- By dollars approved: Trenton Business Assistance Corporation, Newtek Bank, Empire State Certified Development Corporation, Newtek Small Business Finance, Inc., Banesco USA. 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, 7.1% were charged off, versus 7.6% across all SBA lending. That is close to average.
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