How much do SBA lenders typically lend to a metal heat treating business?

The median SBA approval in NAICS 332811 is $500,000, with the middle 80% of loans between $100,000 and $2,114,500. Across all industries the median is $180,000.

Which lenders are most active in metal heat treating?

By dollars approved: The Huntington National Bank, WBD, Inc., Byline Bank, Live Oak Banking Company, U.S. 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 metal heat treating considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 1.2% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 332811 · Manufacturing

SBA loans for metal heat treating

195 SBA loans worth $174.8M have been approved in this industry since FY2010 - the #546 most-financed NAICS code in the country.

Median loan

$500,000

+178% vs all industries

Typical range

$100K-$2.1M

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

1.2%

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
The Huntington National Bank	18	$16.3M
WBD, Inc.	12	$9.9M
Byline Bank	8	$8.5M
Live Oak Banking Company	3	$8.5M
U.S. Bank	6	$8.1M
Wells Fargo Bank	6	$6.2M
KeyBank	8	$6.1M
Trenton Business Assistance Corporation	2	$5.7M
Fifth Third Bank	3	$5.4M
First Bank	1	$5.0M

Geography

Where these loans were made

State	Loans	Share
Michigan	29
Wisconsin	27
California	22
Ohio	20
Indiana	10
Pennsylvania	8
New Jersey	8
Tennessee	8

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
2%
$50K - $150K
14%
$150K - $350K
18%
$350K - $1M
37%
$1M - $2M
16%
Over $2M
12%

Nearby

Other manufacturing industries

See the sector

Machine Shops4,240 · $300,000 All Other Miscellaneous Fabricated Metal Product Manufacturing2,607 · $360,100 All Other Miscellaneous Manufacturing2,510 · $313,000 Sign Manufacturing1,908 · $200,000 Wood Kitchen Cabinet and Countertop Manufacturing1,512 · $249,350 Fabricated Structural Metal Manufacturing1,082 · $350,000 Sheet Metal Work Manufacturing806 · $385,950 Dental Laboratories752 · $146,350

Common questions

How much do SBA lenders typically lend to a metal heat treating business?: The median SBA approval in NAICS 332811 is $500,000, with the middle 80% of loans between $100,000 and $2,114,500. Across all industries the median is $180,000.
Which lenders are most active in metal heat treating?: By dollars approved: The Huntington National Bank, WBD, Inc., Byline Bank, Live Oak Banking Company, U.S. 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 metal heat treating considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 1.2% 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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