NAICS 312112 · Manufacturing
SBA loans for bottled water manufacturing
166 SBA loans worth $121.3M have been approved in this industry since FY2010 - the #579 most-financed NAICS code in the country.
Median loan
$321,900
+79% vs all industries
Typical range
$40K-$2.2M
Middle 80%
Median rate
6.00%
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 |
|---|---|---|---|
| Florida Business Development Corporation | 5 | $7.5M | |
| PCB Bank | 2 | $5.8M | |
| Byline Bank | 6 | $5.7M | |
| Empire State Certified Development Corporation | 2 | $5.5M | |
| SouthState Bank | 1 | $5.0M | |
| Happen Bank | 2 | $4.9M | |
| Citizens & Northern Bank | 1 | $4.9M | |
| Regions Bank | 3 | $4.3M | |
| BMO Bank | 2 | $4.1M | |
| HomeTrust Bank | 2 | $3.9M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 27 | |
| Florida | 11 | |
| Puerto Rico | 10 | |
| Wisconsin | 10 | |
| Texas | 9 | |
| Arizona | 8 | |
| New York | 7 | |
| Utah | 7 |
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 $50K13%
- $50K - $150K20%
- $150K - $350K19%
- $350K - $1M25%
- $1M - $2M11%
- Over $2M11%
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 bottled water manufacturing business?
- The median SBA approval in NAICS 312112 is $321,900, with the middle 80% of loans between $40,000 and $2,188,700. Across all industries the median is $180,000.
- Which lenders are most active in bottled water manufacturing?
- By dollars approved: Florida Business Development Corporation, PCB Bank, Byline Bank, Empire State Certified Development Corporation, SouthState Bank. 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 bottled water manufacturing 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.
We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.