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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 |
An SBA 7(a) lender for loans this size
41% of the SBA loans approved in ready-mix concrete manufacturing since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Approvals by fiscal year
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
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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