SBA 7(a) for Manufacturing
General purpose up to $5M. Equipment, working capital, refinance, acquisition, real estate.
- Up to $5M
- 10 yrs WC / 25 yrs RE
- Prime + 2.25–4.75%
- 45-90 day timeline
WESTVALVE FINANCIAL • SBA LOANS FOR MANUFACTURING
SBA Loans for Manufacturing.
7(a), 504, Express, Microloan — equipment, real estate, working capital, acquisition. Manufacturing-specialized SBA lenders who understand your production.
No obligation to explore your options. Financing is subject to provider approval and program requirements.
WESTVALVE FINANCIALMANUFACTURING SBA LOANS
RATES AS LOW AS PRIME + 2.25%
Government-backed capital for makers.
Lowest rates. Longest terms. Highest amounts. We match you with SBA-approved providers who specialize in manufacturing.
SBA LOANS FOR MANUFACTURING
Four programs. Built for manufacturing.
Manufacturing has unique financing needs — CNC, injection molding, presses, real estate, working capital, acquisition. We match you with SBA-approved providers who specialize in manufacturing.
SBA Express
Same uses as 7(a) but faster. 36-hour SBA decision, funding in 7-14 days.
- Up to $500K
- 7 yr revolving / 10-25 yr term
- Prime + 4.5–6.5%
- 36-hour SBA decision
SBA 504 Loan
Manufacturing real estate & heavy equipment only. 50% bank / 40% CDC / 10% equity.
- Up to $5.5M
- 10, 20, 25 yr fixed
- Fixed, below market
- 60-90 day timeline
SBA Microloan
Startup-friendly. Up to $50K through nonprofit intermediaries.
- Up to $50K
- Up to 6 years
- 8-13% (intermediary sets)
- 30-90 day timeline
MANUFACTURING-SPECIFIC ADVANTAGES
Why SBA works for manufacturing.
01
Heavy Equipment as Collateral
504 loan uses CNC, presses, molding machines as collateral — 10% down, 25-year fixed rate.
02
Factory Real Estate
504 & 7(a) finance owner-occupied factories, warehouses — 10% down, 25-year fixed.
03
Acquisition & Expansion
7(a) finances competitor buyouts, vertical integration, capacity expansion — up to $5M.
04
Working Capital for Production
7(a) & Express provide working capital lines for raw materials, payroll, inventory cycles.
PROGRAM MATCH
Pick the right program for your plant.
| Need | Best Program | Why |
|---|---|---|
| CNC, presses, injection molding (>$250K) | SBA 504 | Equipment = collateral, 10% down, 25-yr fixed |
| Factory / warehouse purchase | SBA 504 | Owner-occupied RE, 10% down, 25-yr fixed |
| Working capital / raw materials / payroll | 7(a) or Express | General purpose, revolving line option |
| Acquisition / competitor buyout | 7(a) Standard | Up to $5M, general purpose |
| Startup / new product line | Microloan | Up to $50K, startup-friendly |
| Speed needed (< 2 weeks) | SBA Express | 36-hour decision, up to $500K |
REQUIREMENTS
What manufacturers need to qualify.
Credit Score
- 7(a)/504: 680+
- Express: 650-680+
- Microloan: 620+
Time in Business
- 7(a)/504: 2+ years
- Express: 1-2+ years
- Microloan: Startup OK
Profitability
- 7(a)/504: Profitable
- Express: Profitable preferred
- Microloan: Path to profit
Manufacturing-Specific
- Production capacity
- Supply chain contracts
- Quality certs (ISO, AS9100)
- Contract backlog
DOCUMENTS
What you need to apply.
SBA Forms
- Form 1919 (Borrower Info)
- Form 413 (Personal FS)
- Form 912 (if applicable)
Financials
- 3 yr business tax returns
- 3 yr personal tax returns
- YTD P&L + Balance Sheet
- Debt schedule
Manufacturing-Specific
- Production capacity
- Supply chain agreements
- Quality certs (ISO, AS9100)
- Contract backlog
Project-Specific
- Equipment: Vendor quote
- RE: Contract, appraisal, Phase I
- Acquisition: Purchase agreement
GET STARTED
Let's find your manufacturing SBA loan.
Tell us about your plant, equipment needs, and growth plans. We'll match you with SBA-approved providers who specialize in manufacturing.
FAQ
Questions about SBA for manufacturing.
Can manufacturing companies get SBA loans?
Yes. Manufacturing is an eligible industry for all SBA programs. Machine shops, fabricators, food processors, chemical manufacturers, and OEMs all qualify. The key is demonstrating profitability, 2+ years in business, and 680+ credit for standard 7(a)/504 programs.
Which SBA program is best for manufacturing equipment?
SBA 504 is ideal for heavy manufacturing equipment (CNC, presses, injection molding) — the equipment is the collateral, 10% down, 25-year fixed rate. SBA 7(a) also works for manufacturing equipment up to $5M with 10-year terms. Equipment financing through SBA often beats conventional equipment loans.
Can SBA loans finance manufacturing real estate?
Yes. SBA 504 is purpose-built for owner-occupied manufacturing real estate — factories, warehouses, shops. Up to $5.5M, 10-25 year fixed rates, 10% down (15% for special use). 7(a) also finances manufacturing real estate up to $5M with 25-year terms. Owner must occupy 51%+ for 504, 60%+ for 7(a).
Can SBA loans finance manufacturing acquisitions?
Yes. SBA 7(a) is commonly used for manufacturing acquisitions — competitor buyouts, vertical integration, supply chain acquisitions. Up to $5M, 10-year terms. Lenders look for synergies, customer retention, and transition plan.
What credit score do manufacturing companies need for SBA loans?
Standard 7(a)/504: 680+ personal credit. SBA Express: 650-680+. Microloan: 620+. Strong cash flow, contract backlog, and industry experience can offset 650-679 scores. We've seen 650-679 approved with strong contract backlog and 3+ years experience.
Can SBA loans finance manufacturing startup costs?
Yes, but harder. SBA Microloan program (up to $50K) is designed for startups. Standard 7(a) requires 2+ years in business typically. Some lenders do 7(a) for manufacturing startups with strong business plan, industry experience, 20-30% equity injection, and projections. SBA Express may be more accessible.