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.

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
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

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
13%
$50K - $150K
18%
$150K - $350K
22%
$350K - $1M
23%
$1M - $2M
14%
Over $2M
9%

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 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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