How much do SBA lenders typically lend to a wood preservation business?

The median SBA approval in NAICS 321114 is $100,000, with the middle 80% of loans between $15,000 and $620,000. Across all industries the median is $180,000.

Which lenders are most active in wood preservation?

By dollars approved: Beacon Bank and Trust, Touchmark National Bank, Nevada State Development Corporation, JPMorgan Chase Bank, United Midwest Savings 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 wood preservation considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 19.2% 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 321114 · Manufacturing

SBA loans for wood preservation

48 SBA loans worth $14.1M have been approved in this industry since FY2010 - the #866 most-financed NAICS code in the country.

Median loan

$100,000

-44% vs all industries

Typical range

$15K-$620K

Middle 80%

Median rate

7.50%

7(a) initial note rate

Median term

10 yr

Charge-off rate

19.2%

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
Beacon Bank and Trust	6	$5.0M
Touchmark National Bank	1	$2.3M
Nevada State Development Corporation	1	$923K
JPMorgan Chase Bank	2	$732K
United Midwest Savings Bank	5	$675K
Northeast Bank	4	$635K
Singing River FCU	1	$620K
U.S. Bank	4	$585K
Business Expansion Funding Corporation	1	$407K
First Nebraska Bank	2	$350K

Geography

Where these loans were made

State	Loans	Share
Oregon	7
Massachusetts	5
Michigan	4
Georgia	3
Pennsylvania	3
Texas	3
Ohio	3
North Carolina	2

Approvals by fiscal year

’10

’11

’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 $50K
31%
$50K - $150K
27%
$150K - $350K
27%
$350K - $1M
8%
Over $2M
6%

Nearby

Other manufacturing industries

See the sector

Commercial Printing3,239 · $275,000 Commercial Screen Printing1,759 · $130,900 All Other Plastics Product Manufacturing1,604 · $457,000 All Other Miscellaneous Wood Product Manufacturing934 · $241,500 Cut Stone and Stone Product Manufacturing801 · $312,000 Wood Container and Pallet Manufacturing572 · $350,000 Commercial Lithographic Printing570 · $316,000 All Other Miscellaneous Chemical Product and Preparation Manufacturing397 · $458,000

Common questions

How much do SBA lenders typically lend to a wood preservation business?: The median SBA approval in NAICS 321114 is $100,000, with the middle 80% of loans between $15,000 and $620,000. Across all industries the median is $180,000.
Which lenders are most active in wood preservation?: By dollars approved: Beacon Bank and Trust, Touchmark National Bank, Nevada State Development Corporation, JPMorgan Chase Bank, United Midwest Savings 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 wood preservation considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 19.2% 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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