NAICS 325311 · Manufacturing
SBA loans for nitrogenous fertilizer manufacturing
58 SBA loans worth $48.7M have been approved in this industry since FY2010 - the #819 most-financed NAICS code in the country.
Median loan
$500,000
+178% vs all industries
Typical range
$80K-$2.5M
Middle 80%
Median rate
6.00%
7(a) initial note rate
Median term
7 yr
Charge-off rate
3.3%
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 |
|---|---|---|---|
| Banesco USA | 13 | $25.5M | |
| Centennial Bank | 1 | $5.0M | |
| U.S. Bank | 5 | $3.7M | |
| The Bank of Missouri | 3 | $1.8M | |
| Peoples Bank | 1 | $1.4M | |
| EDC Finance Corporation | 1 | $1.4M | |
| First Community Bank | 1 | $900K | |
| Enterprise Bank & Trust | 1 | $876K | |
| Small Business Access Partners, Inc. | 1 | $798K | |
| Banner Bank | 2 | $665K |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| Florida | 15 | |
| Idaho | 7 | |
| Wisconsin | 4 | |
| Washington | 4 | |
| Missouri | 4 | |
| New Jersey | 2 | |
| California | 2 | |
| Iowa | 2 |
Approvals by fiscal year
’10
’11
’12
’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 $50K5%
- $50K - $150K16%
- $150K - $350K24%
- $350K - $1M29%
- $1M - $2M10%
- Over $2M16%
Nearby
Other manufacturing industries
Commercial Printing3,239 · $275,000Commercial Screen Printing1,759 · $130,900All Other Plastics Product Manufacturing1,604 · $457,000All Other Miscellaneous Wood Product Manufacturing934 · $241,500Cut Stone and Stone Product Manufacturing801 · $312,000Wood Container and Pallet Manufacturing572 · $350,000Commercial Lithographic Printing570 · $316,000All Other Miscellaneous Chemical Product and Preparation Manufacturing397 · $458,000
Common questions
- How much do SBA lenders typically lend to a nitrogenous fertilizer manufacturing business?
- The median SBA approval in NAICS 325311 is $500,000, with the middle 80% of loans between $80,000 and $2,500,000. Across all industries the median is $180,000.
- Which lenders are most active in nitrogenous fertilizer manufacturing?
- By dollars approved: Banesco USA, Centennial Bank, U.S. Bank, The Bank of Missouri, Peoples 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 nitrogenous fertilizer manufacturing considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 3.3% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.
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