How much do SBA lenders typically lend to a piece goods, notions, and other dry goods merchant wholesalers business?

The median SBA approval in NAICS 424310 is $250,000, with the middle 80% of loans between $25,000 and $2,000,000. Across all industries the median is $180,000.

Which lenders are most active in piece goods, notions, and other dry goods merchant wholesalers?

By dollars approved: Business Finance Capital, CDC Small Business Finance Corp., Mortgage Capital Development Corporation, PCB Bank, Bank of Hope. 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 piece goods, notions, and other dry goods merchant wholesalers considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.3% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 424310 · Wholesale

SBA loans for piece goods, notions, and other dry goods merchant wholesalers

779 SBA loans worth $529.1M have been approved in this industry since FY2010 - the #244 most-financed NAICS code in the country.

Median loan

$250,000

+39% vs all industries

Typical range

$25K-$2.0M

Middle 80%

Median rate

6.25%

7(a) initial note rate

Median term

10 yr

Charge-off rate

9.3%

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
Business Finance Capital	26	$41.7M
CDC Small Business Finance Corp.	35	$40.0M
Mortgage Capital Development Corporation	20	$29.4M
PCB Bank	16	$24.8M
Bank of Hope	44	$22.9M
Trenton Business Assistance Corporation	10	$21.2M
California Statewide Certified Development Corporation	12	$18.6M
Columbia Bank	14	$13.7M
CalPrivate Bank	3	$13.2M
Small Business Growth Corporation	7	$12.8M

Geography

Where these loans were made

State	Loans	Share
California	305
New York	62
New Jersey	39
Texas	36
Florida	35
Ohio	23
Illinois	22
Michigan	16

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 $50K
15%
$50K - $150K
22%
$150K - $350K
20%
$350K - $1M
20%
$1M - $2M
13%
Over $2M
11%

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 piece goods, notions, and other dry goods merchant wholesalers business?: The median SBA approval in NAICS 424310 is $250,000, with the middle 80% of loans between $25,000 and $2,000,000. Across all industries the median is $180,000.
Which lenders are most active in piece goods, notions, and other dry goods merchant wholesalers?: By dollars approved: Business Finance Capital, CDC Small Business Finance Corp., Mortgage Capital Development Corporation, PCB Bank, Bank of Hope. 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 piece goods, notions, and other dry goods merchant wholesalers considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.3% were charged off, versus 7.6% across all SBA lending. That is close to average.

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