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NAICS 423210 · Wholesale
SBA loans for furniture merchant wholesalers
842 SBA loans worth $583.0M have been approved in this industry since FY2010 - the #229 most-financed NAICS code in the country.
Median loan
$300,000
+67% vs all industries
Typical range
$30K-$2.0M
Middle 80%
Median rate
6.68%
7(a) initial note rate
Median term
10 yr
Charge-off rate
8.0%
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 | Share |
|---|---|---|---|
| CDC Small Business Finance Corp. | 27 | $42.6M | |
| Mortgage Capital Development Corporation | 17 | $32.2M | |
| Empire State Certified Development Corporation | 11 | $29.5M | |
| Wells Fargo Bank | 45 | $21.8M | |
| California Statewide Certified Development Corporation | 14 | $20.8M | |
| Trenton Business Assistance Corporation | 7 | $19.6M | |
| Business Finance Capital | 10 | $18.1M | |
| JPMorgan Chase Bank | 55 | $17.2M | |
| Florida First Capital Finance Corporation, Inc. | 9 | $15.9M | |
| U.S. Bank | 30 | $14.1M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 185 | |
| Florida | 72 | |
| New York | 58 | |
| Texas | 56 | |
| New Jersey | 53 | |
| Georgia | 38 | |
| North Carolina | 33 | |
| Ohio | 29 |
An SBA 7(a) lender for loans this size
54% of the SBA loans approved in furniture merchant wholesalers since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Approvals by fiscal year
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K13%
- $50K - $150K18%
- $150K - $350K22%
- $350K - $1M23%
- $1M - $2M14%
- Over $2M9%
Franchise brands in Furniture Merchant Wholesalers
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Directbuy, Inc. | 2 | $5.2M | |
| Budget Blinds | 2 | $424K | |
| Sonic | 1 | $256K | |
| Real Deals on Home Decor | 1 | $220K | |
| Verlo Mattress | 1 | $603K |
Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.
Nearby
Other wholesale industries
Common questions
- How much do SBA lenders typically lend to a furniture merchant wholesalers business?
- The median SBA approval in NAICS 423210 is $300,000, with the middle 80% of loans between $30,000 and $1,963,000. Across all industries the median is $180,000.
- Which lenders are most active in furniture merchant wholesalers?
- By dollars approved: CDC Small Business Finance Corp., Mortgage Capital Development Corporation, Empire State Certified Development Corporation, Wells Fargo Bank, California Statewide Certified Development Corporation. 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 furniture merchant wholesalers considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.0% were charged off, versus 7.6% across all SBA lending. That is close to average.
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