NAICS 315220 · Manufacturing
SBA loans for men’s and boys’ cut and sew apparel manufacturing
60 SBA loans worth $28.8M have been approved in this industry since FY2010 - the #815 most-financed NAICS code in the country.
Median loan
$105,000
-42% vs all industries
Typical range
$13K-$1.5M
Middle 80%
Median rate
6.25%
7(a) initial note rate
Median term
7 yr
Charge-off rate
10.0%
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 |
|---|---|---|---|
| Business Finance Capital | 3 | $6.7M | |
| Hanmi Bank | 1 | $2.9M | |
| Commonwealth Business Bank | 1 | $2.0M | |
| BizCapital BIDCO I, LLC | 2 | $2.0M | |
| Wells Fargo Bank | 8 | $1.7M | |
| Mortgage Capital Development Corporation | 1 | $1.6M | |
| First General Bank | 1 | $1.6M | |
| Sunshine State Economic Development Corporation | 1 | $1.5M | |
| FirstBank | 1 | $1.3M | |
| California International Bank | 1 | $1.0M |
Approvals by fiscal year
’12
’13
’14
’15
’16
’17
’18
’19
’20
’21
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K28%
- $50K - $150K25%
- $150K - $350K13%
- $350K - $1M13%
- $1M - $2M13%
- Over $2M7%
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 men’s and boys’ cut and sew apparel manufacturing business?
- The median SBA approval in NAICS 315220 is $105,000, with the middle 80% of loans between $12,500 and $1,500,000. Across all industries the median is $180,000.
- Which lenders are most active in men’s and boys’ cut and sew apparel manufacturing?
- By dollars approved: Business Finance Capital, Hanmi Bank, Commonwealth Business Bank, BizCapital BIDCO I, LLC, Wells Fargo 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 men’s and boys’ cut and sew apparel manufacturing considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.0% 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.
We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.