How much do SBA lenders typically lend to a mattress manufacturing business?

The median SBA approval in NAICS 337910 is $453,000, with the middle 80% of loans between $50,000 and $2,884,000. Across all industries the median is $180,000.

Which lenders are most active in mattress manufacturing?

By dollars approved: First Bank of the Lake, CDC Small Business Finance Corp., Bay Area Employment Development Company, Evergreen Business Capital, Valley National 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 mattress manufacturing considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.9% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 337910 · Manufacturing

SBA loans for mattress manufacturing

85 SBA loans worth $84.7M have been approved in this industry since FY2010 - the #729 most-financed NAICS code in the country.

Median loan

$453,000

+152% vs all industries

Typical range

$50K-$2.9M

Middle 80%

Median rate

6.29%

7(a) initial note rate

Median term

10 yr

Charge-off rate

4.9%

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
First Bank of the Lake	5	$9.8M
CDC Small Business Finance Corp.	2	$9.1M
Bay Area Employment Development Company	2	$6.7M
Evergreen Business Capital	1	$5.3M
Valley National Bank	1	$5.0M
First Internet Bank of Indiana	1	$5.0M
Southland Economic Development Corporation	2	$4.7M
U.S. Bank	6	$3.4M
Byline Bank	2	$2.9M
Renasant Bank	2	$2.5M

Geography

Where these loans were made

State	Loans	Share
California	17
Florida	10
Illinois	9
Arizona	6
Texas	4
Ohio	3
Wisconsin	3
Utah	3

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 $50K
6%
$50K - $150K
8%
$150K - $350K
29%
$350K - $1M
28%
$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 mattress manufacturing business?: The median SBA approval in NAICS 337910 is $453,000, with the middle 80% of loans between $50,000 and $2,884,000. Across all industries the median is $180,000.
Which lenders are most active in mattress manufacturing?: By dollars approved: First Bank of the Lake, CDC Small Business Finance Corp., Bay Area Employment Development Company, Evergreen Business Capital, Valley National 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 mattress manufacturing considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.9% 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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