How much do SBA lenders typically lend to a breweries business?

The median SBA approval in NAICS 312120 is $265,000, with the middle 80% of loans between $45,000 and $1,317,000. Across all industries the median is $180,000.

Which lenders are most active in breweries?

By dollars approved: Live Oak Banking Company, The Huntington National Bank, WBD, Inc., Wells Fargo Bank, TowneBank. 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 breweries considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 6.6% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 312120 · Manufacturing

SBA loans for breweries

4,377 SBA loans worth $2.34B have been approved in this industry since FY2010 - the #54 most-financed NAICS code in the country.

Median loan

$265,000

+47% vs all industries

Typical range

$45K-$1.3M

Middle 80%

Median rate

6.25%

7(a) initial note rate

Median term

10 yr

Charge-off rate

6.6%

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
Live Oak Banking Company	160	$189.0M
The Huntington National Bank	232	$74.2M
WBD, Inc.	49	$45.3M
Wells Fargo Bank	104	$44.4M
TowneBank	55	$41.7M
Granite State Economic Development Corporation	48	$39.6M
Empire State Certified Development Corporation	45	$37.3M
Capital Certified Development Corporation	29	$33.8M
U.S. Bank	80	$32.5M
JPMorgan Chase Bank	117	$31.0M

Geography

Where these loans were made

State	Loans	Share
California	372
New York	274
Ohio	249
Minnesota	238
Pennsylvania	205
Michigan	188
Colorado	185
Wisconsin	185

Approvals by fiscal year

’10

’11

’12

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
10%
$50K - $150K
22%
$150K - $350K
26%
$350K - $1M
28%
$1M - $2M
9%
Over $2M
5%

Nearby

Other manufacturing industries

See the sector

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 Ice Cream and Frozen Dessert Manufacturing508 · $170,000

Common questions

How much do SBA lenders typically lend to a breweries business?: The median SBA approval in NAICS 312120 is $265,000, with the middle 80% of loans between $45,000 and $1,317,000. Across all industries the median is $180,000.
Which lenders are most active in breweries?: By dollars approved: Live Oak Banking Company, The Huntington National Bank, WBD, Inc., Wells Fargo Bank, TowneBank. 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 breweries considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 6.6% were charged off, versus 7.6% across all SBA lending. That is close to average.

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