How much do SBA lenders typically lend to a jewelry (except costume) manufacturing business?

The median SBA approval in NAICS 339911 is $148,500, with the middle 80% of loans between $20,000 and $1,147,000. Across all industries the median is $180,000.

Which lenders are most active in jewelry (except costume) manufacturing?

By dollars approved: Mortgage Capital Development Corporation, Wells Fargo Bank, U.S. Bank, Pinnacle Bank, Zions Bank, A Division of. 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 jewelry (except costume) manufacturing considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.7% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 339911 · Manufacturing

SBA loans for jewelry (except costume) manufacturing

78 SBA loans worth $33.2M have been approved in this industry since FY2010 - the #746 most-financed NAICS code in the country.

Median loan

$148,500

-18% vs all industries

Typical range

$20K-$1.1M

Middle 80%

Median rate

6.75%

7(a) initial note rate

Median term

7 yr

Charge-off rate

4.7%

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
Mortgage Capital Development Corporation	3	$5.5M
Wells Fargo Bank	4	$3.8M
U.S. Bank	4	$3.0M
Pinnacle Bank	1	$2.4M
Zions Bank, A Division of	6	$1.9M
Empire State Certified Development Corporation	3	$1.9M
CBI Bank and Trust	1	$1.8M
CDC Small Business Finance Corp.	2	$1.5M
Independence Bank	1	$1.4M
Business Finance Group, Inc.	1	$1.2M

Geography

Where these loans were made

State	Loans	Share
California	14
New York	10
Texas	8
Utah	5
New Mexico	4
Arizona	4
Ohio	3
Illinois	3

Approvals by fiscal year

’10

’11

’12

’13

’23

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
31%
$50K - $150K
19%
$150K - $350K
17%
$350K - $1M
19%
$1M - $2M
10%
Over $2M
4%

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 jewelry (except costume) manufacturing business?: The median SBA approval in NAICS 339911 is $148,500, with the middle 80% of loans between $20,000 and $1,147,000. Across all industries the median is $180,000.
Which lenders are most active in jewelry (except costume) manufacturing?: By dollars approved: Mortgage Capital Development Corporation, Wells Fargo Bank, U.S. Bank, Pinnacle Bank, Zions Bank, A Division of. 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 jewelry (except costume) manufacturing considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.7% 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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