How much do SBA lenders typically lend to a coffee and tea manufacturing business?

The median SBA approval in NAICS 311920 is $127,750, with the middle 80% of loans between $18,000 and $818,000. Across all industries the median is $180,000.

Which lenders are most active in coffee and tea manufacturing?

By dollars approved: TD Bank, Northwest Bank, U.S. Bank, Byline Bank, BizCapital BIDCO I, LLC. 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 coffee and tea manufacturing considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 5.8% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 311920 · Manufacturing

SBA loans for coffee and tea manufacturing

804 SBA loans worth $272.5M have been approved in this industry since FY2010 - the #235 most-financed NAICS code in the country.

Median loan

$127,750

-29% vs all industries

Typical range

$18K-$818K

Middle 80%

Median rate

7.50%

7(a) initial note rate

Median term

10 yr

Charge-off rate

5.8%

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
TD Bank	24	$8.5M
Northwest Bank	4	$8.3M
U.S. Bank	28	$7.9M
Byline Bank	7	$6.9M
BizCapital BIDCO I, LLC	3	$6.9M
The Huntington National Bank	35	$6.7M
First Commonwealth Bank	7	$6.5M
JPMorgan Chase Bank	14	$5.9M
CDC Small Business Finance Corp.	9	$5.3M
b1BANK	2	$5.0M

Geography

Where these loans were made

State	Loans	Share
California	82
Massachusetts	47
Texas	41
New York	40
Minnesota	39
Washington	39
Florida	36
Oregon	34

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
23%
$50K - $150K
29%
$150K - $350K
22%
$350K - $1M
17%
$1M - $2M
5%
Over $2M
3%

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 Apparel Accessories and Other Apparel Manufacturing782 · $200,000 Distilleries769 · $250,000 Ice Cream and Frozen Dessert Manufacturing508 · $170,000

Common questions

How much do SBA lenders typically lend to a coffee and tea manufacturing business?: The median SBA approval in NAICS 311920 is $127,750, with the middle 80% of loans between $18,000 and $818,000. Across all industries the median is $180,000.
Which lenders are most active in coffee and tea manufacturing?: By dollars approved: TD Bank, Northwest Bank, U.S. Bank, Byline Bank, BizCapital BIDCO I, LLC. 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 coffee and tea manufacturing considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 5.8% were charged off, versus 7.6% across all SBA lending. That is close to average.

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