Ornamental and Architectural Metal Work Manufacturing: SBA business acquisition loan data
29 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Ornamental and Architectural Metal Work Manufacturing (NAICS 332323), totaling $45.6M. Median loan $1,200,000, 86% 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 $2,307,500 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 #235 of 300 industries tracked.
- Geography. Florida leads with 9 loans; the top five states account for 66% of the industry's acquisitions.
- Jobs. Lenders reported 392 jobs supported across these loans, about 13.5 per acquisition, a rough proxy for the size of business changing hands.
Ornamental and Architectural Metal Work Manufacturing acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 1 | $2.8M | $2,800,000 | |
| FY2019 | 1 | $1.2M | $1,200,000 | |
| FY2020 | 0 | $0 | - | |
| FY2021 | 5 | $10.4M | $945,000 | |
| FY2022 | 2 | $1.8M | $906,500 | |
| FY2023 | 4 | $4.4M | $1,052,850 | |
| FY2024 | 2 | $2.3M | $1,154,700 | |
| FY2025 | 4 | $10.4M | $2,575,000 | |
| FY2026 | 10 | $12.3M | $911,150 |
How often do these acquisition loans fail?
Fewer than 20 Ornamental and Architectural Metal Work 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
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 6 | 20.7% | $6.6M | |
| 2 | First Bank of the Lake | 3 | 10.3% | $8.7M | |
| 3 | SouthState Bank, National Association | 2 | 6.9% | $3.7M | |
| 4 | The Huntington National Bank | 2 | 6.9% | $2.5M | |
| 5 | Customers Bank | 2 | 6.9% | $1.6M | |
| 6 | The Fidelity Bank | 2 | 6.9% | $1.5M | |
| 7 | First Community Bank | 2 | 6.9% | $781K | |
| 8 | Port 51 Lending LLC | 1 | 3.4% | $5M | |
| 9 | Encore Bank | 1 | 3.4% | $3.7M | |
| 10 | Happen Bank | 1 | 3.4% | $3.3M |
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Questions buyers ask
How much is a typical SBA loan to buy a business in Ornamental and Architectural Metal Work Manufacturing?
Median $1,200,000 across 29 acquisition loans (FY2018 to FY2026); the middle half ran $250,000 to $2,307,500. That is 86% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Ornamental and Architectural Metal Work Manufacturing acquisitions?
Live Oak Banking Company (6), First Bank of the Lake (3), SouthState Bank, National Association (2), The Huntington National Bank (2), Customers Bank (2).
Are businesses in Ornamental and Architectural Metal Work 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 Ornamental and Architectural Metal Work 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 Ornamental and Architectural Metal Work Manufacturing acquisitions?
Median term 10 years, average initial rate 7.84% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
Seller note standby terms and third-party consents are reviewed before closing.
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