NAICS 423460 · Wholesale
SBA loans for ophthalmic goods merchant wholesalers
103 SBA loans worth $49.8M have been approved in this industry since FY2010 - the #690 most-financed NAICS code in the country.
Median loan
$150,000
-17% vs all industries
Typical range
$25K-$1.8M
Middle 80%
Median rate
7.70%
7(a) initial note rate
Median term
10 yr
Charge-off rate
10.7%
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 |
|---|---|---|---|
| Ponce Bank | 1 | $4.5M | |
| Live Oak Banking Company | 1 | $4.2M | |
| Citibank | 2 | $4.0M | |
| Newtek Bank | 4 | $3.5M | |
| Centennial Bank | 1 | $3.1M | |
| Banesco USA | 2 | $2.4M | |
| Bank of America | 3 | $2.3M | |
| Empire State Certified Development Corporation | 2 | $2.1M | |
| Wells Fargo Bank | 4 | $2.1M | |
| Gulf Coast Bank and Trust Company | 1 | $2.1M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| Florida | 25 | |
| New York | 14 | |
| California | 14 | |
| Texas | 6 | |
| New Jersey | 6 | |
| Illinois | 5 | |
| Wisconsin | 5 | |
| Puerto Rico | 4 |
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 $50K16%
- $50K - $150K34%
- $150K - $350K25%
- $350K - $1M11%
- $1M - $2M6%
- Over $2M9%
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 ophthalmic goods merchant wholesalers business?
- The median SBA approval in NAICS 423460 is $150,000, with the middle 80% of loans between $25,000 and $1,750,000. Across all industries the median is $180,000.
- Which lenders are most active in ophthalmic goods merchant wholesalers?
- By dollars approved: Ponce Bank, Live Oak Banking Company, Citibank, Newtek Bank, Centennial 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 ophthalmic goods merchant wholesalers considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.7% 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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