How much do SBA lenders typically lend to a computer and software stores business?

The median SBA approval in NAICS 443120 is $100,000, with the middle 80% of loans between $25,000 and $570,000. Across all industries the median is $180,000.

Which lenders are most active in computer and software stores?

By dollars approved: Wells Fargo Bank, PNC Bank, California Bank of Commerce, Truist Bank, CDC Small Business Finance Corp.. 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 computer and software stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.9% 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 443120 · Retail

SBA loans for computer and software stores

263 SBA loans worth $67.5M have been approved in this industry since FY2010 - the #478 most-financed NAICS code in the country.

Median loan

$100,000

-44% vs all industries

Typical range

$25K-$570K

Middle 80%

Median rate

6.01%

7(a) initial note rate

Median term

7 yr

Charge-off rate

9.9%

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	18	$6.0M
PNC Bank	16	$5.3M
California Bank of Commerce	1	$5.0M
Truist Bank	4	$4.2M
CDC Small Business Finance Corp.	3	$3.7M
Landmark National Bank	1	$3.1M
Manufacturers and Traders Trust Company	13	$2.0M
JPMorgan Chase Bank	20	$2.0M
The Huntington National Bank	9	$1.7M
SBA CLSC Servicing	2	$1.5M

Geography

Where these loans were made

State	Loans	Share
California	28
Texas	19
New York	16
Florida	14
Minnesota	11
Utah	11
Wisconsin	10
North Carolina	9

Approvals by fiscal year

’10

’11

’12

’13

’14

’22

’23

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
28%
$50K - $150K
29%
$150K - $350K
25%
$350K - $1M
14%
$1M - $2M
2%
Over $2M
2%

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 computer and software stores business?: The median SBA approval in NAICS 443120 is $100,000, with the middle 80% of loans between $25,000 and $570,000. Across all industries the median is $180,000.
Which lenders are most active in computer and software stores?: By dollars approved: Wells Fargo Bank, PNC Bank, California Bank of Commerce, Truist Bank, CDC Small Business Finance Corp.. 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 computer and software stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.9% 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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