How much do SBA lenders typically lend to a apparel accessories and other apparel manufacturing business?

The median SBA approval in NAICS 315990 is $200,000, with the middle 80% of loans between $20,000 and $1,733,000. Across all industries the median is $180,000.

Which lenders are most active in apparel accessories and other apparel manufacturing?

By dollars approved: Business Finance Capital, Wells Fargo Bank, Midwest Business Finance Corporation, U.S. Bank, The Huntington National 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 apparel accessories and other apparel manufacturing considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.2% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 315990 · Manufacturing

SBA loans for apparel accessories and other apparel manufacturing

782 SBA loans worth $455.7M have been approved in this industry since FY2010 - the #243 most-financed NAICS code in the country.

Median loan

$200,000

+11% vs all industries

Typical range

$20K-$1.7M

Middle 80%

Median rate

8.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

9.2%

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	11	$23.8M
Wells Fargo Bank	57	$22.3M
Midwest Business Finance Corporation	15	$16.2M
U.S. Bank	35	$15.0M
The Huntington National Bank	55	$14.1M
Enterprise Bank & Trust	6	$13.8M
Newtek Bank	42	$11.9M
Celtic Bank Corporation	22	$11.3M
Readycap Lending, LLC	26	$10.7M
Live Oak Banking Company	4	$10.4M

Geography

Where these loans were made

State	Loans	Share
California	209
New York	57
Florida	45
Texas	37
Ohio	37
Minnesota	36
Illinois	25
New Jersey	25

Approvals by fiscal year

’10

’11

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
19%
$50K - $150K
22%
$150K - $350K
21%
$350K - $1M
23%
$1M - $2M
7%
Over $2M
9%

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 Distilleries769 · $250,000 Ice Cream and Frozen Dessert Manufacturing508 · $170,000

Common questions

How much do SBA lenders typically lend to a apparel accessories and other apparel manufacturing business?: The median SBA approval in NAICS 315990 is $200,000, with the middle 80% of loans between $20,000 and $1,733,000. Across all industries the median is $180,000.
Which lenders are most active in apparel accessories and other apparel manufacturing?: By dollars approved: Business Finance Capital, Wells Fargo Bank, Midwest Business Finance Corporation, U.S. Bank, The Huntington National 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 apparel accessories and other apparel manufacturing considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.2% were charged off, versus 7.6% across all SBA lending. That is close to average.

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