How much do SBA lenders typically lend to a clothing and clothing accessories merchant wholesalers business?

The median SBA approval in NAICS 424350 is $200,000, with the middle 80% of loans between $30,000 and $1,539,000. Across all industries the median is $180,000.

Which lenders are most active in clothing and clothing accessories merchant wholesalers?

By dollars approved: Business Finance Capital, City National Bank, First Internet Bank of Indiana, Bank of Hope, Newtek 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.

NAICS 424350 · Wholesale

SBA loans for clothing and clothing accessories merchant wholesalers

540 SBA loans worth $296.4M have been approved in this industry since FY2010 - the #324 most-financed NAICS code in the country.

Median loan

$200,000

+11% vs all industries

Typical range

$30K-$1.5M

Middle 80%

Median rate

10.50%

7(a) initial note rate

Median term

10 yr

Charge-off rate

Cohort too small

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	20	$49.8M
City National Bank	9	$23.3M
First Internet Bank of Indiana	11	$16.4M
Bank of Hope	60	$14.1M
Newtek Bank	26	$13.8M
California Statewide Certified Development Corporation	5	$10.5M
US Metro Bank	3	$8.9M
PCB Bank	4	$7.0M
JPMorgan Chase Bank	24	$6.6M
Wells Fargo Bank	13	$6.4M

Geography

Where these loans were made

State	Loans	Share
California	233
New York	93
Florida	41
New Jersey	25
Texas	18
Georgia	16
Utah	10
Ohio	9

Approvals by fiscal year

’21

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
14%
$50K - $150K
20%
$150K - $350K
32%
$350K - $1M
20%
$1M - $2M
6%
Over $2M
8%

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 clothing and clothing accessories merchant wholesalers business?: The median SBA approval in NAICS 424350 is $200,000, with the middle 80% of loans between $30,000 and $1,539,000. Across all industries the median is $180,000.
Which lenders are most active in clothing and clothing accessories merchant wholesalers?: By dollars approved: Business Finance Capital, City National Bank, First Internet Bank of Indiana, Bank of Hope, Newtek 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.

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