How much do SBA lenders typically lend to a toy and hobby goods and supplies merchant wholesalers business?

The median SBA approval in NAICS 423920 is $150,000, with the middle 80% of loans between $25,000 and $1,687,000. Across all industries the median is $180,000.

Which lenders are most active in toy and hobby goods and supplies merchant wholesalers?

By dollars approved: Wells Fargo Bank, TD Bank, JPMorgan Chase Bank, Byline 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 toy and hobby goods and supplies merchant wholesalers considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.1% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 423920 · Wholesale

SBA loans for toy and hobby goods and supplies merchant wholesalers

758 SBA loans worth $437.1M have been approved in this industry since FY2010 - the #250 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$25K-$1.7M

Middle 80%

Median rate

7.25%

7(a) initial note rate

Median term

10 yr

Charge-off rate

7.1%

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
Wells Fargo Bank	51	$25.3M
TD Bank	36	$23.1M
JPMorgan Chase Bank	64	$17.0M
Byline Bank	8	$16.8M
California Statewide Certified Development Corporation	11	$16.7M
Newtek Bank	31	$15.0M
Business Finance Capital	8	$14.1M
East West Bank	10	$14.1M
Citibank	4	$13.0M
The Huntington National Bank	41	$12.9M

Geography

Where these loans were made

State	Loans	Share
California	150
New York	78
Florida	67
Illinois	34
Ohio	31
Texas	31
Minnesota	25
Wisconsin	24

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
17%
$50K - $150K
26%
$150K - $350K
21%
$350K - $1M
19%
$1M - $2M
9%
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 toy and hobby goods and supplies merchant wholesalers business?: The median SBA approval in NAICS 423920 is $150,000, with the middle 80% of loans between $25,000 and $1,687,000. Across all industries the median is $180,000.
Which lenders are most active in toy and hobby goods and supplies merchant wholesalers?: By dollars approved: Wells Fargo Bank, TD Bank, JPMorgan Chase Bank, Byline 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 toy and hobby goods and supplies merchant wholesalers considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.1% were charged off, versus 7.6% across all SBA lending. That is close to average.

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