How much do SBA lenders typically lend to a furniture stores business?

The median SBA approval in NAICS 442110 is $250,000, with the middle 80% of loans between $25,000 and $1,592,000. Across all industries the median is $180,000.

Which lenders are most active in furniture stores?

By dollars approved: Wells Fargo Bank, U.S. Bank, The Huntington National Bank, Florida Business Development Corporation, Pinnacle 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 furniture stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.8% 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.

NAICS 442110 · Retail

SBA loans for furniture stores

2,175 SBA loans worth $1.30B have been approved in this industry since FY2010 - the #107 most-financed NAICS code in the country.

Median loan

$250,000

+39% vs all industries

Typical range

$25K-$1.6M

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

9.8%

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
Wells Fargo Bank	183	$113.9M
U.S. Bank	100	$59.0M
The Huntington National Bank	105	$28.7M
Florida Business Development Corporation	26	$25.6M
Pinnacle Bank	17	$25.0M
Mortgage Capital Development Corporation	18	$24.0M
CDC Small Business Finance Corp.	23	$22.9M
Evergreen Business Capital	12	$18.2M
Enterprise Bank & Trust	12	$18.0M
Granite State Economic Development Corporation	20	$16.8M

Geography

Where these loans were made

State	Loans	Share
California	251
Texas	175
New York	122
Florida	118
Ohio	95
Georgia	85
Wisconsin	66
Michigan	65

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 $50K
16%
$50K - $150K
21%
$150K - $350K
19%
$350K - $1M
24%
$1M - $2M
13%
Over $2M
7%

Nearby

Other retail industries

See the sector

Gasoline Stations with Convenience Stores9,734 · $788,400 Beer, Wine, and Liquor Stores8,158 · $300,000 Supermarkets and Other Grocery Retailers7,314 · $350,000 Pharmacies and Drug Stores4,651 · $350,000 Convenience Stores4,629 · $179,100 Used Car Dealers4,422 · $227,750 Automotive Parts and Accessories Stores2,779 · $181,100 Beer, Wine, and Liquor Retailers2,760 · $500,000

Common questions

How much do SBA lenders typically lend to a furniture stores business?: The median SBA approval in NAICS 442110 is $250,000, with the middle 80% of loans between $25,000 and $1,592,000. Across all industries the median is $180,000.
Which lenders are most active in furniture stores?: By dollars approved: Wells Fargo Bank, U.S. Bank, The Huntington National Bank, Florida Business Development Corporation, Pinnacle 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 furniture stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.8% 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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