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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 |
An SBA 7(a) lender for loans this size
54% of the SBA loans approved in other miscellaneous durable goods merchant wholesalers since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Approvals by fiscal year
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K11%
- $50K - $150K19%
- $150K - $350K24%
- $350K - $1M25%
- $1M - $2M13%
- Over $2M9%
Franchise brands in Other Miscellaneous Durable Goods Merchant Wholesalers
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Fastsigns | 4 | $10.1M | |
| Snap-On | 2 | $195K | |
| ProSource Wholesale | 2 | $550K | |
| Cellairis | 2 | $3.6M | |
| Matco Tools | 2 | $382K | |
| SpeedPro Imaging | 2 | $550K | |
| Glass Doctor | 1 | $346K | |
| Signs Now | 1 | $50K | |
| MetroPCS | 1 | $250K | |
| SIGNworld | 1 | $215K |
Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.
Nearby
Other wholesale industries
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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