Machine Tool Manufacturing: SBA business acquisition loan data
23 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Machine Tool Manufacturing (NAICS 333517), totaling $23M. Median loan $600,000, 7% lower than the all-acquisition median.
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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 $1,749,600 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is less than 0.05% of all SBA-financed business purchases, ranking #267 of 300 industries tracked.
- Geography. Minnesota leads with 5 loans; the top five states account for 70% of the industry's acquisitions.
- Jobs. Lenders reported 262 jobs supported across these loans, about 11.4 per acquisition, a rough proxy for the size of business changing hands.
Machine Tool Manufacturing acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 5 | $3.2M | $315,000 | |
| FY2019 | 2 | $3.5M | $1,762,100 | |
| FY2020 | 4 | $5.2M | $1,365,000 | |
| FY2021 | 1 | $1.8M | $1,840,000 | |
| FY2022 | 0 | $0 | - | |
| FY2023 | 2 | $908K | $454,000 | |
| FY2024 | 2 | $4M | $2,022,500 | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 7 | $4.2M | $267,700 |
How often do these acquisition loans fail?
Fewer than 20 Machine Tool Manufacturing acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. 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 | Minnesota | 5 | 21.7% | $4.7M | |
| 2 | Michigan | 4 | 17.4% | $3.6M | |
| 3 | Wisconsin | 3 | 13.0% | $4.9M | |
| 4 | Georgia | 2 | 8.7% | $2.5M | |
| 5 | California | 2 | 8.7% | $2.1M | |
| 6 | Missouri | 2 | 8.7% | $2.1M | |
| 7 | Indiana | 1 | 4.3% | $1.8M | |
| 8 | Illinois | 1 | 4.3% | $565K | |
| 9 | South Dakota | 1 | 4.3% | $315K | |
| 10 | Ohio | 1 | 4.3% | $208K |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 2 | 8.7% | $2.5M | |
| 2 | KeyBank National Association | 2 | 8.7% | $2.1M | |
| 3 | CommunityAmerica Federal Credit Union | 2 | 8.7% | $2.1M | |
| 4 | Horizon Bank | 2 | 8.7% | $1.5M | |
| 5 | Highland Bank | 2 | 8.7% | $368K | |
| 6 | CCFBank National Association | 1 | 4.3% | $3.4M | |
| 7 | 21st Century Bank | 1 | 4.3% | $1.9M | |
| 8 | First Federal Savings Bank | 1 | 4.3% | $1.8M | |
| 9 | Wells Fargo Bank National Association | 1 | 4.3% | $1.7M | |
| 10 | Bank of America, National Association | 1 | 4.3% | $1.5M |
Terms signed in the LOI shape the purchase agreement that follows.
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Questions buyers ask
How much is a typical SBA loan to buy a business in Machine Tool Manufacturing?
Median $600,000 across 23 acquisition loans (FY2018 to FY2026); the middle half ran $258,850 to $1,749,600. That is 7% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Machine Tool Manufacturing acquisitions?
Live Oak Banking Company (2), KeyBank National Association (2), CommunityAmerica Federal Credit Union (2), Horizon Bank (2), Highland Bank (2).
Are businesses in Machine Tool 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 Machine Tool Manufacturing?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Machine Tool Manufacturing acquisitions?
Median term 10 years, average initial rate 7.42% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
The purchase agreement decides what you bought, not the loan approval.
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