All Other Miscellaneous Wood Product Manufacturing: SBA business acquisition loan data
55 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as All Other Miscellaneous Wood Product Manufacturing (NAICS 321999), totaling $67.6M. Median loan $606,200, 6% lower than the all-acquisition median.
The purchase agreement decides what you bought, not the loan approval.
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Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $1,619,500 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.1% of all SBA-financed business purchases, ranking #156 of 300 industries tracked.
- Geography. Pennsylvania leads with 9 loans; the top five states account for 45% of the industry's acquisitions.
- Jobs. Lenders reported 1,091 jobs supported across these loans, about 19.8 per acquisition, a rough proxy for the size of business changing hands.
All Other Miscellaneous Wood Product Manufacturing acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 8 | $7.6M | $452,500 | |
| FY2019 | 5 | $1.1M | $310,500 | |
| FY2020 | 7 | $8.5M | $872,000 | |
| FY2021 | 5 | $12.2M | $1,725,200 | |
| FY2022 | 8 | $14.4M | $810,500 | |
| FY2023 | 4 | $1.2M | $253,800 | |
| FY2024 | 6 | $11.9M | $1,748,150 | |
| FY2025 | 11 | $10.6M | $606,200 | |
| FY2026 | 1 | $213K | $213,000 |
How often do these acquisition loans fail?
Of the 25 All Other Miscellaneous Wood Product Manufacturing acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), none have been charged off by the SBA. 13 have already been paid in full.
For comparison, All Other Miscellaneous Wood Product Manufacturing has none charged off, against the 3.5% average across all SBA 7(a) acquisition loans in the same cohort. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Pennsylvania | 9 | 16.4% | $4M | |
| 2 | Minnesota | 6 | 10.9% | $4.2M | |
| 3 | Wisconsin | 4 | 7.3% | $8.9M | |
| 4 | Indiana | 3 | 5.5% | $2.8M | |
| 5 | Colorado | 3 | 5.5% | $2.3M | |
| 6 | Texas | 3 | 5.5% | $1.3M | |
| 7 | California | 3 | 5.5% | $1.3M | |
| 8 | Oregon | 3 | 5.5% | $867K | |
| 9 | Florida | 2 | 3.6% | $3M | |
| 10 | Missouri | 2 | 3.6% | $2M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 10 | 18.2% | $9.1M | |
| 2 | Live Oak Banking Company | 7 | 12.7% | $14.6M | |
| 3 | BankVista | 4 | 7.3% | $2.4M | |
| 4 | Columbia Bank | 4 | 7.3% | $1.5M | |
| 5 | Manufacturers and Traders Trust Company | 3 | 5.5% | $815K | |
| 6 | Wells Fargo Bank National Association | 2 | 3.6% | $2.4M | |
| 7 | United Community Bank | 2 | 3.6% | $1.6M | |
| 8 | KeyBank National Association | 2 | 3.6% | $1.4M | |
| 9 | 22nd State Bank, A Division of 22nd State Banking Company | 1 | 1.8% | $5M | |
| 10 | Georgia Banking Company | 1 | 1.8% | $5M |
Seller note standby terms and third-party consents are reviewed before closing.
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Questions buyers ask
How much is a typical SBA loan to buy a business in All Other Miscellaneous Wood Product Manufacturing?
Median $606,200 across 55 acquisition loans (FY2018 to FY2026); the middle half ran $261,800 to $1,619,500. That is 6% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most All Other Miscellaneous Wood Product Manufacturing acquisitions?
The Huntington National Bank (10), Live Oak Banking Company (7), BankVista (4), Columbia Bank (4), Manufacturers and Traders Trust Company (3).
Are businesses in All Other Miscellaneous Wood Product Manufacturing often franchised?
Rarely. Only 0% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in All Other Miscellaneous Wood Product Manufacturing?
Of 25 seasoned loans (FY2018 to FY2021), none charged off, against the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for All Other Miscellaneous Wood Product Manufacturing acquisitions?
Median term 10 years, average initial rate 7.49% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
Terms signed in the LOI shape the purchase agreement that follows.
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