How much do SBA lenders typically lend to a fertilizer (mixing only) manufacturing business?

The median SBA approval in NAICS 325314 is $150,000, with the middle 80% of loans between $40,700 and $1,858,000. Across all industries the median is $180,000.

Which lenders are most active in fertilizer (mixing only) manufacturing?

By dollars approved: Wells Fargo Bank, FFB Bank, Regions Bank, First Bank of Central Ohio, Florida First Capital Finance Corporation, Inc.. 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 fertilizer (mixing only) manufacturing considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 2.9% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 325314 · Manufacturing

SBA loans for fertilizer (mixing only) manufacturing

66 SBA loans worth $38.5M have been approved in this industry since FY2010 - the #788 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$41K-$1.9M

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

2.9%

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
Wells Fargo Bank	9	$5.1M
FFB Bank	1	$5.0M
Regions Bank	1	$3.8M
First Bank of Central Ohio	2	$3.5M
Florida First Capital Finance Corporation, Inc.	1	$2.3M
Northwest Ohio Development Assistance Corporation	1	$2.3M
Washington Trust Bank	1	$1.9M
Southland Economic Development Corporation	1	$1.4M
Manufacturers and Traders Trust Company	5	$1.3M
United Community Bank	1	$1.3M

Geography

Where these loans were made

State	Loans	Share
California	10
Ohio	6
Oregon	4
Texas	4
New York	4
Washington	4
Massachusetts	3
Virginia	2

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’19

’20

’21

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
15%
$50K - $150K
24%
$150K - $350K
26%
$350K - $1M
17%
$1M - $2M
9%
Over $2M
9%

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 fertilizer (mixing only) manufacturing business?: The median SBA approval in NAICS 325314 is $150,000, with the middle 80% of loans between $40,700 and $1,858,000. Across all industries the median is $180,000.
Which lenders are most active in fertilizer (mixing only) manufacturing?: By dollars approved: Wells Fargo Bank, FFB Bank, Regions Bank, First Bank of Central Ohio, Florida First Capital Finance Corporation, Inc.. 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 fertilizer (mixing only) manufacturing considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 2.9% 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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