How much do SBA lenders typically lend to a all other home furnishings stores business?

The median SBA approval in NAICS 442299 is $136,000, with the middle 80% of loans between $20,000 and $995,500. Across all industries the median is $180,000.

Which lenders are most active in all other home furnishings stores?

By dollars approved: Wells Fargo Bank, JPMorgan Chase Bank, CDC Small Business Finance Corp., U.S. Bank, Enterprise Bank & Trust. 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 all other home furnishings stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.4% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 442299 · Retail

SBA loans for all other home furnishings stores

1,173 SBA loans worth $436.4M have been approved in this industry since FY2010 - the #179 most-financed NAICS code in the country.

Median loan

$136,000

-24% vs all industries

Typical range

$20K-$996K

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

8.4%

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	98	$32.2M
JPMorgan Chase Bank	67	$17.8M
CDC Small Business Finance Corp.	20	$16.3M
U.S. Bank	45	$13.9M
Enterprise Bank & Trust	10	$13.0M
FinWise Bank	4	$11.4M
The Huntington National Bank	71	$10.2M
First Bank of the Lake	3	$9.6M
Pinnacle Bank	11	$9.2M
Empire State Certified Development Corporation	10	$7.8M

Geography

Where these loans were made

State	Loans	Share
California	151
New York	75
Texas	66
Ohio	61
Florida	59
Michigan	42
Colorado	42
Georgia	39

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
24%
$50K - $150K
27%
$150K - $350K
19%
$350K - $1M
20%
$1M - $2M
7%
Over $2M
3%

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 all other home furnishings stores business?: The median SBA approval in NAICS 442299 is $136,000, with the middle 80% of loans between $20,000 and $995,500. Across all industries the median is $180,000.
Which lenders are most active in all other home furnishings stores?: By dollars approved: Wells Fargo Bank, JPMorgan Chase Bank, CDC Small Business Finance Corp., U.S. Bank, Enterprise Bank & Trust. 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 all other home furnishings stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.4% were charged off, versus 7.6% across all SBA lending. That is close to average.

We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.