How much do SBA lenders typically lend to a women’s, girls’, and infants’ cut and sew apparel manufacturing business?

The median SBA approval in NAICS 315240 is $345,000, with the middle 80% of loans between $20,000 and $2,700,000. Across all industries the median is $180,000.

Which lenders are most active in women’s, girls’, and infants’ cut and sew apparel manufacturing?

By dollars approved: Business Finance Capital, Wells Fargo Bank, So Cal CDC, PCB Bank, Enterprise Bank & Trust. 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 women’s, girls’, and infants’ 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, 15.7% 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 315240 · Manufacturing

SBA loans for women’s, girls’, and infants’ cut and sew apparel manufacturing

231 SBA loans worth $199.2M have been approved in this industry since FY2010 - the #506 most-financed NAICS code in the country.

Median loan

$345,000

+92% vs all industries

Typical range

$20K-$2.7M

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

15.7%

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
Business Finance Capital	28	$57.1M
Wells Fargo Bank	25	$15.5M
So Cal CDC	4	$10.4M
PCB Bank	8	$10.2M
Enterprise Bank & Trust	2	$9.1M
Hanmi Bank	5	$8.9M
Commonwealth Business Bank	5	$8.2M
Bank of Hope	13	$6.7M
Mortgage Capital Development Corporation	4	$6.2M
Columbia Bank	2	$5.4M

Geography

Where these loans were made

State	Loans	Share
California	132
New York	20
Florida	6
Ohio	6
Texas	6
Missouri	5
Utah	5
New Jersey	4

Approvals by fiscal year

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’24

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
18%
$50K - $150K
15%
$150K - $350K
18%
$350K - $1M
23%
$1M - $2M
12%
Over $2M
15%

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 women’s, girls’, and infants’ cut and sew apparel manufacturing business?: The median SBA approval in NAICS 315240 is $345,000, with the middle 80% of loans between $20,000 and $2,700,000. Across all industries the median is $180,000.
Which lenders are most active in women’s, girls’, and infants’ cut and sew apparel manufacturing?: By dollars approved: Business Finance Capital, Wells Fargo Bank, So Cal CDC, PCB Bank, Enterprise Bank & Trust. 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 women’s, girls’, and infants’ 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, 15.7% 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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