NAICS 424330 · Wholesale
SBA loans for women's, children's, and infants' clothing and accessories merchant wholesalers
1,431 SBA loans worth $984.9M have been approved in this industry since FY2010 - the #153 most-financed NAICS code in the country.
Median loan
$250,000
+39% vs all industries
Typical range
$25K-$2.0M
Middle 80%
Median rate
6.00%
7(a) initial note rate
Median term
10 yr
Charge-off rate
12.6%
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 |
|---|---|---|---|
| Bank of Hope | 220 | $156.5M | |
| Business Finance Capital | 88 | $133.8M | |
| Wells Fargo Bank | 112 | $67.4M | |
| Open Bank | 35 | $63.6M | |
| Mortgage Capital Development Corporation | 36 | $50.1M | |
| PCB Bank | 37 | $44.5M | |
| CDC Small Business Finance Corp. | 33 | $36.0M | |
| Commonwealth Business Bank | 19 | $25.5M | |
| Empire State Certified Development Corporation | 13 | $21.7M | |
| California Statewide Certified Development Corporation | 15 | $20.2M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 855 | |
| New York | 125 | |
| New Jersey | 75 | |
| Florida | 54 | |
| Texas | 39 | |
| Georgia | 24 | |
| Illinois | 22 | |
| Minnesota | 17 |
Approvals by fiscal year
’10
’11
’12
’13
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K16%
- $50K - $150K20%
- $150K - $350K19%
- $350K - $1M21%
- $1M - $2M13%
- Over $2M10%
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 women's, children's, and infants' clothing and accessories merchant wholesalers business?
- The median SBA approval in NAICS 424330 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 women's, children's, and infants' clothing and accessories merchant wholesalers?
- By dollars approved: Bank of Hope, Business Finance Capital, Wells Fargo Bank, Open Bank, Mortgage Capital 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 women's, children's, and infants' clothing and accessories merchant wholesalers considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 12.6% 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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