How much do SBA lenders typically lend to a tire and tube merchant wholesalers business?

The median SBA approval in NAICS 423130 is $326,400, with the middle 80% of loans between $25,000 and $2,000,000. Across all industries the median is $180,000.

Which lenders are most active in tire and tube merchant wholesalers?

By dollars approved: CDC Small Business Finance Corp., TD Bank, KeyBank, Wells Fargo Bank, Newtek Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

Is tire and tube merchant wholesalers considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 11.0% were charged off, versus 7.6% across all SBA lending. That is materially above average, which in practice tends to mean tighter underwriting, more collateral, or a larger equity injection.

NAICS 423130 · Wholesale

SBA loans for tire and tube merchant wholesalers

212 SBA loans worth $153.7M have been approved in this industry since FY2010 - the #529 most-financed NAICS code in the country.

Median loan

$326,400

+81% vs all industries

Typical range

$25K-$2.0M

Middle 80%

Median rate

6.25%

7(a) initial note rate

Median term

10 yr

Charge-off rate

11.0%

vs 7.6% all industries

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Most active in this industry

Lender	Loans	Approved
CDC Small Business Finance Corp.	7	$15.5M
TD Bank	14	$13.3M
KeyBank	6	$7.5M
Wells Fargo Bank	10	$6.8M
Newtek Bank	4	$5.5M
Florida Business Development Corporation	1	$5.0M
Enterprise Bank & Trust	4	$5.0M
First Bank of the Lake	3	$4.8M
Truist Bank	1	$4.8M
Central Bank	2	$4.3M

Geography

Where these loans were made

State	Loans	Share
California	44
Florida	27
Texas	16
New York	15
Colorado	11
Ohio	11
Puerto Rico	9
Georgia	8

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
13%
$50K - $150K
19%
$150K - $350K
19%
$350K - $1M
23%
$1M - $2M
16%
Over $2M
10%

Nearby

Other wholesale industries

See the sector

Other Miscellaneous Durable Goods Merchant Wholesalers4,432 · $296,000 Other Miscellaneous Nondurable Goods Merchant Wholesalers3,598 · $270,000 Other Grocery and Related Products Merchant Wholesalers2,289 · $150,000 Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesalers1,953 · $150,000 Industrial Machinery and Equipment Merchant Wholesalers1,918 · $300,000 Sporting and Recreational Goods and Supplies Merchant Wholesalers1,706 · $191,750 Wholesale Trade Agents and Brokers1,547 · $180,000 Recyclable Material Merchant Wholesalers1,450 · $350,000

Common questions

How much do SBA lenders typically lend to a tire and tube merchant wholesalers business?: The median SBA approval in NAICS 423130 is $326,400, with the middle 80% of loans between $25,000 and $2,000,000. Across all industries the median is $180,000.
Which lenders are most active in tire and tube merchant wholesalers?: By dollars approved: CDC Small Business Finance Corp., TD Bank, KeyBank, Wells Fargo Bank, Newtek Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
Is tire and tube merchant wholesalers considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 11.0% were charged off, versus 7.6% across all SBA lending. That is materially above average, which in practice tends to mean tighter underwriting, more collateral, or a larger equity injection.

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