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NAICS 312111 · Manufacturing
SBA loans for soft drink manufacturing
200 SBA loans worth $64.2M have been approved in this industry since FY2010 - the #542 most-financed NAICS code in the country.
Median loan
$109,750
-39% vs all industries
Typical range
$25K-$750K
Middle 80%
Median rate
7.00%
7(a) initial note rate
Median term
10 yr
Charge-off rate
17.1%
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 |
|---|---|---|---|
| WBD, Inc. | 7 | $5.6M | |
| Nicolet National Bank | 2 | $5.1M | |
| The Huntington National Bank | 28 | $4.7M | |
| First Resource Bank | 3 | $3.8M | |
| Empire State Certified Development Corporation | 1 | $3.4M | |
| New York Business Development Corporation | 1 | $2.9M | |
| Newtek Small Business Finance, Inc. | 3 | $2.7M | |
| Live Oak Banking Company | 1 | $2.0M | |
| Integro Bank | 2 | $1.9M | |
| Atlantic Union Bank | 2 | $1.6M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 23 | |
| Ohio | 17 | |
| Michigan | 12 | |
| New York | 12 | |
| Virginia | 12 | |
| Wisconsin | 11 | |
| Florida | 10 | |
| Pennsylvania | 8 |
An SBA 7(a) lender for loans this size
75% of the SBA loans approved in soft drink manufacturing since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Approvals by fiscal year
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K23%
- $50K - $150K32%
- $150K - $350K21%
- $350K - $1M17%
- $1M - $2M6%
- Over $2M3%
Franchise brands in Soft Drink Manufacturing
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| HTeaO | 1 | $424K |
Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.
Nearby
Other manufacturing industries
Common questions
- How much do SBA lenders typically lend to a soft drink manufacturing business?
- The median SBA approval in NAICS 312111 is $109,750, with the middle 80% of loans between $25,000 and $750,000. Across all industries the median is $180,000.
- Which lenders are most active in soft drink manufacturing?
- By dollars approved: WBD, Inc., Nicolet National Bank, The Huntington National Bank, First Resource Bank, Empire State Certified Development 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 soft drink manufacturing considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 17.1% were charged off, versus 7.6% across all SBA lending. That is materially above average, which in practice tends to mean tighter underwriting, more collateral, or a larger equity injection.
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