NAICS 423990 · Wholesale
SBA loans for other miscellaneous durable goods merchant wholesalers
4,432 SBA loans worth $2.95B have been approved in this industry since FY2010 - the #51 most-financed NAICS code in the country.
Median loan
$296,000
+64% vs all industries
Typical range
$40K-$1.8M
Middle 80%
Median rate
6.25%
7(a) initial note rate
Median term
10 yr
Charge-off rate
6.9%
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 |
|---|---|---|---|
| Wells Fargo Bank | 225 | $132.3M | |
| Business Finance Capital | 63 | $88.7M | |
| U.S. Bank | 186 | $88.0M | |
| CDC Small Business Finance Corp. | 88 | $80.5M | |
| The Huntington National Bank | 184 | $78.8M | |
| East West Bank | 79 | $78.7M | |
| Empire State Certified Development Corporation | 44 | $70.6M | |
| JPMorgan Chase Bank | 262 | $68.8M | |
| Mortgage Capital Development Corporation | 50 | $64.3M | |
| Trenton Business Assistance Corporation | 36 | $60.7M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 1,025 | |
| New York | 411 | |
| Florida | 399 | |
| Texas | 272 | |
| New Jersey | 220 | |
| Ohio | 183 | |
| Illinois | 177 | |
| Georgia | 136 |
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 $50K11%
- $50K - $150K19%
- $150K - $350K24%
- $350K - $1M25%
- $1M - $2M13%
- Over $2M9%
Nearby
Other wholesale industries
Other 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 · $350,000Women's, Children's, and Infants' Clothing and Accessories Merchant Wholesalers1,431 · $250,000
Common questions
- How much do SBA lenders typically lend to a other miscellaneous durable goods merchant wholesalers business?
- The median SBA approval in NAICS 423990 is $296,000, with the middle 80% of loans between $40,000 and $1,810,500. Across all industries the median is $180,000.
- Which lenders are most active in other miscellaneous durable goods merchant wholesalers?
- By dollars approved: Wells Fargo Bank, Business Finance Capital, U.S. Bank, CDC Small Business Finance Corp., The Huntington National 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 other miscellaneous durable goods merchant wholesalers considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 6.9% were charged off, versus 7.6% across all SBA lending. That is close to average.
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