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

The median SBA approval in NAICS 443142 is $100,000, with the middle 80% of loans between $15,000 and $716,000. Across all industries the median is $180,000.

Which lenders are most active in electronics stores?

By dollars approved: U.S. Bank, Wells Fargo Bank, CDC Small Business Finance Corp., The Huntington National Bank, 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 electronics stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 19.9% 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 443142 · Retail

SBA loans for electronics stores

997 SBA loans worth $287.4M have been approved in this industry since FY2010 - the #205 most-financed NAICS code in the country.

Median loan

$100,000

-44% vs all industries

Typical range

$15K-$716K

Middle 80%

Median rate

6.50%

7(a) initial note rate

Median term

7 yr

Charge-off rate

19.9%

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
U.S. Bank	86	$10.5M
Wells Fargo Bank	83	$10.4M
CDC Small Business Finance Corp.	9	$8.9M
The Huntington National Bank	64	$8.1M
Pinnacle Bank	5	$7.6M
Dime Commercial Bank	3	$7.4M
Enterprise Bank & Trust	6	$7.2M
Florida Business Development Corporation	6	$7.2M
JPMorgan Chase Bank	49	$7.1M
Business Finance Capital	9	$6.8M

Geography

Where these loans were made

State	Loans	Share
California	139
New York	90
Texas	76
Florida	76
Ohio	53
Michigan	48
Illinois	38
Minnesota	36

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
28%
$50K - $150K
28%
$150K - $350K
20%
$350K - $1M
17%
$1M - $2M
5%
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 electronics stores business?: The median SBA approval in NAICS 443142 is $100,000, with the middle 80% of loans between $15,000 and $716,000. Across all industries the median is $180,000.
Which lenders are most active in electronics stores?: By dollars approved: U.S. Bank, Wells Fargo Bank, CDC Small Business Finance Corp., The Huntington National Bank, 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 electronics stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 19.9% 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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