How much do SBA lenders typically lend to a tortilla manufacturing business?

The median SBA approval in NAICS 311830 is $350,000, with the middle 80% of loans between $50,000 and $1,602,000. Across all industries the median is $180,000.

Which lenders are most active in tortilla manufacturing?

By dollars approved: Mortgage Capital Development Corporation, Readycap Lending, LLC, Banc of California, Newtek Small Business Finance, Inc., Celtic Bank Corporation. 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 tortilla manufacturing considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 0.0% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 311830 · Manufacturing

SBA loans for tortilla manufacturing

119 SBA loans worth $87.0M have been approved in this industry since FY2010 - the #647 most-financed NAICS code in the country.

Median loan

$350,000

+94% vs all industries

Typical range

$50K-$1.6M

Middle 80%

Median rate

7.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

0.0%

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
Mortgage Capital Development Corporation	2	$6.5M
Readycap Lending, LLC	3	$5.6M
Banc of California	2	$5.3M
Newtek Small Business Finance, Inc.	2	$5.0M
Celtic Bank Corporation	3	$4.7M
America First Federal Credit Union	4	$4.4M
Nevada State Development Corporation	1	$4.1M
Fulton Bank	2	$4.1M
Dime Commercial Bank	3	$3.8M
Enterprise Bank & Trust	6	$3.7M

Geography

Where these loans were made

State	Loans	Share
California	25
Texas	19
Arizona	8
Utah	7
Colorado	6
Nevada	5
New York	5
Kansas	5

Approvals by fiscal year

’10

’11

’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 $50K
10%
$50K - $150K
20%
$150K - $350K
19%
$350K - $1M
31%
$1M - $2M
10%
Over $2M
9%

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 tortilla manufacturing business?: The median SBA approval in NAICS 311830 is $350,000, with the middle 80% of loans between $50,000 and $1,602,000. Across all industries the median is $180,000.
Which lenders are most active in tortilla manufacturing?: By dollars approved: Mortgage Capital Development Corporation, Readycap Lending, LLC, Banc of California, Newtek Small Business Finance, Inc., Celtic Bank Corporation. 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 tortilla manufacturing considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 0.0% 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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