NAICS 327320 · Manufacturing
SBA loans for ready-mix concrete manufacturing
263 SBA loans worth $231.9M have been approved in this industry since FY2010 - the #480 most-financed NAICS code in the country.
Median loan
$475,000
+164% vs all industries
Typical range
$79K-$2.5M
Middle 80%
Median rate
6.00%
7(a) initial note rate
Median term
10 yr
Charge-off rate
4.8%
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 |
|---|---|---|---|
| BancFirst | 7 | $9.2M | |
| SouthState Bank | 4 | $7.9M | |
| Live Oak Banking Company | 2 | $6.9M | |
| Florida First Capital Finance Corporation, Inc. | 4 | $6.3M | |
| JPMorgan Chase Bank | 7 | $6.3M | |
| Ameris Bank | 2 | $6.1M | |
| Security National Bank of Omaha | 4 | $5.7M | |
| Community First Bank of the Heartland | 4 | $5.4M | |
| TD Bank | 4 | $5.2M | |
| NewBank | 2 | $5.1M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| Texas | 39 | |
| Ohio | 19 | |
| Florida | 18 | |
| Colorado | 17 | |
| California | 13 | |
| Oklahoma | 12 | |
| Michigan | 12 | |
| Massachusetts | 9 |
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 $50K6%
- $50K - $150K12%
- $150K - $350K23%
- $350K - $1M33%
- $1M - $2M13%
- Over $2M13%
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 ready-mix concrete manufacturing business?
- The median SBA approval in NAICS 327320 is $475,000, with the middle 80% of loans between $79,000 and $2,500,000. Across all industries the median is $180,000.
- Which lenders are most active in ready-mix concrete manufacturing?
- By dollars approved: BancFirst, SouthState Bank, Live Oak Banking Company, Florida First Capital Finance Corporation, Inc., JPMorgan Chase 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 ready-mix concrete manufacturing considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.8% 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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