NAICS 423220 · Wholesale
SBA loans for home furnishing merchant wholesalers
876 SBA loans worth $555.3M have been approved in this industry since FY2010 - the #227 most-financed NAICS code in the country.
Median loan
$200,000
+11% vs all industries
Typical range
$30K-$1.7M
Middle 80%
Median rate
6.75%
7(a) initial note rate
Median term
10 yr
Charge-off rate
11.1%
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 |
|---|---|---|---|
| Business Finance Capital | 16 | $33.9M | |
| California Statewide Certified Development Corporation | 14 | $22.8M | |
| JPMorgan Chase Bank | 79 | $22.5M | |
| Capital Partners Certified Development Company | 5 | $20.1M | |
| Wells Fargo Bank | 35 | $19.4M | |
| CDC Small Business Finance Corp. | 14 | $18.4M | |
| Mortgage Capital Development Corporation | 10 | $18.1M | |
| Trenton Business Assistance Corporation | 8 | $17.5M | |
| East West Bank | 17 | $15.8M | |
| Newtek Bank | 23 | $14.4M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 164 | |
| New York | 101 | |
| Texas | 72 | |
| New Jersey | 56 | |
| Florida | 51 | |
| Georgia | 47 | |
| Illinois | 46 | |
| Michigan | 28 |
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 $50K14%
- $50K - $150K25%
- $150K - $350K20%
- $350K - $1M20%
- $1M - $2M13%
- Over $2M8%
Nearby
Other wholesale industries
Other Miscellaneous Durable Goods Merchant Wholesalers4,432 · $296,000Other Miscellaneous Nondurable Goods Merchant Wholesalers3,598 · $270,000Other Grocery and Related Products Merchant Wholesalers2,289 · $150,000Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesalers1,953 · $150,000Industrial Machinery and Equipment Merchant Wholesalers1,918 · $300,000Sporting and Recreational Goods and Supplies Merchant Wholesalers1,706 · $191,750Wholesale Trade Agents and Brokers1,547 · $180,000Recyclable Material Merchant Wholesalers1,450 · $350,000
Common questions
- How much do SBA lenders typically lend to a home furnishing merchant wholesalers business?
- The median SBA approval in NAICS 423220 is $200,000, with the middle 80% of loans between $30,000 and $1,738,800. Across all industries the median is $180,000.
- Which lenders are most active in home furnishing merchant wholesalers?
- By dollars approved: Business Finance Capital, California Statewide Certified Development Corporation, JPMorgan Chase Bank, Capital Partners Certified Development Company, Wells Fargo 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 home furnishing merchant wholesalers considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 11.1% 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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