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

The median SBA approval in NAICS 442210 is $228,000, with the middle 80% of loans between $30,000 and $1,157,000. Across all industries the median is $180,000.

Which lenders are most active in floor covering stores?

By dollars approved: Wells Fargo Bank, U.S. Bank, Citizens Bank, The Huntington National Bank, JPMorgan Chase 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 floor covering stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.0% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 442210 · Retail

SBA loans for floor covering stores

1,224 SBA loans worth $569.3M have been approved in this industry since FY2010 - the #171 most-financed NAICS code in the country.

Median loan

$228,000

+27% vs all industries

Typical range

$30K-$1.2M

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

8.0%

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	80	$37.3M
U.S. Bank	68	$26.7M
Citizens Bank	21	$15.8M
The Huntington National Bank	66	$14.3M
JPMorgan Chase Bank	46	$12.8M
Newtek Small Business Finance, Inc.	12	$12.4M
Harvest Small Business Finance, LLC	5	$12.1M
Regions Bank	11	$9.8M
CDC Small Business Finance Corp.	13	$9.0M
Enterprise Bank & Trust	4	$8.3M

Geography

Where these loans were made

State	Loans	Share
California	167
Texas	99
Florida	92
Michigan	57
New York	49
Ohio	48
Minnesota	48
Georgia	45

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
13%
$50K - $150K
25%
$150K - $350K
23%
$350K - $1M
26%
$1M - $2M
9%
Over $2M
4%

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 floor covering stores business?: The median SBA approval in NAICS 442210 is $228,000, with the middle 80% of loans between $30,000 and $1,157,000. Across all industries the median is $180,000.
Which lenders are most active in floor covering stores?: By dollars approved: Wells Fargo Bank, U.S. Bank, Citizens Bank, The Huntington National Bank, JPMorgan Chase 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 floor covering stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.0% were charged off, versus 7.6% across all SBA lending. That is close to average.

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