Metal Coating, Engraving, and Allied Services to Manufacturers: SBA business acquisition loan data
27 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Metal Coating, Engraving (except Jewelry and Silverware), and Allied Services to Manufacturers (NAICS 332812), totaling $23.9M. Median loan $688,500, 7% higher 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 $1,275,500 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 #246 of 300 industries tracked.
- Geography. Washington leads with 5 loans; the top five states account for 59% of the industry's acquisitions.
- Jobs. Lenders reported 484 jobs supported across these loans, about 17.9 per acquisition, a rough proxy for the size of business changing hands.
Metal Coating, Engraving, and Allied Services to Manufacturers acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 1 | $681K | $680,800 | |
| FY2019 | 4 | $5.5M | $1,495,000 | |
| FY2020 | 2 | $1.2M | $600,000 | |
| FY2021 | 3 | $2.2M | $688,500 | |
| FY2022 | 5 | $4M | $1,024,600 | |
| FY2023 | 2 | $501K | $250,500 | |
| FY2024 | 3 | $1.5M | $550,500 | |
| FY2025 | 2 | $350K | $174,750 | |
| FY2026 | 5 | $7.9M | $2,244,600 |
How often do these acquisition loans fail?
Fewer than 20 Metal Coating, Engraving, and Allied Services to Manufacturers 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.
Terms signed in the LOI shape the purchase agreement that follows.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Washington | 5 | 18.5% | $5.7M | |
| 2 | Michigan | 4 | 14.8% | $4M | |
| 3 | Wisconsin | 3 | 11.1% | $2.5M | |
| 4 | Idaho | 2 | 7.4% | $3.2M | |
| 5 | California | 2 | 7.4% | $2.6M | |
| 6 | Minnesota | 2 | 7.4% | $651K | |
| 7 | Illinois | 2 | 7.4% | $268K | |
| 8 | Colorado | 1 | 3.7% | $2.2M | |
| 9 | Florida | 1 | 3.7% | $1M | |
| 10 | Texas | 1 | 3.7% | $681K |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 7 | 25.9% | $7.1M | |
| 2 | ChoiceOne Bank | 2 | 7.4% | $971K | |
| 3 | Falcon National Bank | 2 | 7.4% | $651K | |
| 4 | Mountain Pacific Bank | 1 | 3.7% | $2.4M | |
| 5 | Bank of Ann Arbor | 1 | 3.7% | $2.4M | |
| 6 | Zions Bancorporation, National Association | 1 | 3.7% | $2.2M | |
| 7 | FFB Bank | 1 | 3.7% | $1.3M | |
| 8 | First Bank of the Lake | 1 | 3.7% | $1.3M | |
| 9 | The Huntington National Bank | 1 | 3.7% | $1M | |
| 10 | National Exchange Bank and Trust | 1 | 3.7% | $1M |
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 Metal Coating, Engraving, and Allied Services to Manufacturers?
Median $688,500 across 27 acquisition loans (FY2018 to FY2026); the middle half ran $249,000 to $1,275,500. That is 7% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Metal Coating, Engraving, and Allied Services to Manufacturers acquisitions?
Live Oak Banking Company (7), ChoiceOne Bank (2), Falcon National Bank (2), Mountain Pacific Bank (1), Bank of Ann Arbor (1).
Are businesses in Metal Coating, Engraving, and Allied Services to Manufacturers 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 Metal Coating, Engraving, and Allied Services to Manufacturers?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Metal Coating, Engraving, and Allied Services to Manufacturers acquisitions?
Median term 10 years, average initial rate 7.60% 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.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
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