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.

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
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

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
23%
$50K - $150K
32%
$150K - $350K
21%
$350K - $1M
17%
$1M - $2M
6%
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 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 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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