SBA Loans for Manufacturing Calculator
Calculate SBA loan payments for manufacturing businesses. Get funding for equipment, facilities, expansion, and working capital with favorable SBA terms.
Manufacturing SBA Loan Examples
See real SBA loan payment examples for common manufacturing financing needs. Manufacturing businesses often qualify for the best SBA rates due to tangible collateral and stable cash flows.
| Loan Amount | Rate | Term | Monthly Payment | Total Interest | Total Cost |
|---|---|---|---|---|---|
| $500,000 | 9.5% | 10 years | $5,284 | $334,080 | $834,080 |
| $1,000,000 | 9.25% | 15 years | $10,430 | $877,400 | $1,877,400 |
| $2,000,000 | 9.0% | 20 years | $17,991 | $2,317,840 | $4,317,840 |
| $3,000,000 | 8.75% | 25 years | $25,847 | $4,754,100 | $7,754,100 |
Manufacturing SBA Loan Scenarios
Production Equipment
$500,000 for new manufacturing equipment
Facility Purchase (SBA 504)
$2M manufacturing facility with 10% down
Working Capital
$750,000 for inventory and operations
Business Acquisition
$1.5M to acquire manufacturing company
Expansion & Modernization
$1M for facility expansion
Technology Upgrade
$300,000 for automation and IT
Choose Your Calculator
Use SBA 7(a) for equipment and working capital. Use SBA 504 for real estate and facilities.
Loan Details
Maximum: $5,000,000
Typical range: 9.5% - 10.5%
Auto-set based on loan purpose (Real Estate: 25 years, Others: 10-15 years)
Quick Select Amount:
SBA 7(a) Loan Key Features
Loan Details
- • Loan amounts up to $5 million
- • Terms up to 25 years for real estate
- • Terms up to 10 years for equipment/working capital
- • SBA guarantees 75-85% of the loan
Typical Rate Structure
- • Loans ≤ $50K: Prime + 3.5% to 4.25%
- • Loans $50K-$250K: Prime + 2% to 2.75%
- • Loans $250K-$5M: Prime + 3% max
- • Rate varies by lender and qualifications
SBA Loans for Manufacturing: Industry Guide
Manufacturing SBA Loan Advantages
- • Preferred Industry: Manufacturing is favored by SBA lenders
- • Tangible Collateral: Equipment and inventory provide security
- • Stable Cash Flow: Predictable revenue streams
- • Job Creation: Manufacturing supports SBA mission
- • Export Potential: Additional SBA programs available
- • Lower Rates: Often qualify for best available rates
Common Manufacturing Loan Uses
- • Production Equipment: CNC machines, presses, assembly lines
- • Facility Purchase: Manufacturing buildings and warehouses
- • Technology: Automation, robotics, quality control systems
- • Working Capital: Raw materials, inventory, payroll
- • Expansion: Additional production capacity
- • Modernization: Upgrading outdated equipment
SBA 504 Loans for Manufacturing Facilities
SBA 504 loans are ideal for manufacturing businesses purchasing facilities or major equipment. The two-loan structure provides excellent terms for real estate financing.
$1M Facility Example
$2M Facility Example
Benefits
Manufacturing SBA Size Standards
Manufacturing businesses qualify as "small" under SBA size standards based on number of employees:
| Manufacturing Type | Employee Limit | NAICS Code |
|---|---|---|
| Food Manufacturing | 500-750 | 311 |
| Textile & Apparel | 500-750 | 313-316 |
| Wood Products | 500 | 321 |
| Chemical Manufacturing | 500-1,000 | 325 |
| Machinery Manufacturing | 500-1,000 | 333 |
| Electronics Manufacturing | 500-1,250 | 334 |
Related Manufacturing Financing Resources
SBA 504 Calculator
Calculate SBA 504 payments for manufacturing facility purchases with only 10% down.
Calculate SBA 504 Payments →Manufacturing SBA Eligibility
Check if your manufacturing business qualifies for SBA loans and see your score.
Check My Eligibility →Which SBA Loan for Manufacturing?
Compare SBA loan types to find the best option for your manufacturing needs.
Compare Loan Types →Ready to Finance Your Manufacturing Business?
Manufacturing businesses often qualify for the best SBA loan terms. Connect with an SBA-approved lender who understands manufacturing and industrial financing.