How much do SBA lenders typically lend to a home centers business?

The median SBA approval in NAICS 444110 is $350,000, with the middle 80% of loans between $45,000 and $1,642,500. Across all industries the median is $180,000.

Which lenders are most active in home centers?

By dollars approved: Newtek Small Business Finance, Inc., Wells Fargo Bank, Empire State Certified Development Corporation, Beacon Bank and Trust, Harvest Small Business Finance, LLC. 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 home centers considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.1% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 444110 · Retail

SBA loans for home centers

369 SBA loans worth $248.3M have been approved in this industry since FY2010 - the #408 most-financed NAICS code in the country.

Median loan

$350,000

+94% vs all industries

Typical range

$45K-$1.6M

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

8.1%

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
Newtek Small Business Finance, Inc.	11	$12.1M
Wells Fargo Bank	19	$8.6M
Empire State Certified Development Corporation	5	$7.5M
Beacon Bank and Trust	5	$6.7M
Harvest Small Business Finance, LLC	3	$6.3M
Newtek Bank	9	$5.7M
Belgrade State Bank	4	$5.2M
FNBC Bank	1	$4.6M
FDIC - Community Bank & Trust-West Georgia	1	$4.6M
Southland Economic Development Corporation	3	$4.2M

Geography

Where these loans were made

State	Loans	Share
California	36
Texas	21
New York	19
Ohio	19
Minnesota	18
Pennsylvania	16
Missouri	16
Florida	15

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
10%
$50K - $150K
13%
$150K - $350K
24%
$350K - $1M
31%
$1M - $2M
14%
Over $2M
8%

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 home centers business?: The median SBA approval in NAICS 444110 is $350,000, with the middle 80% of loans between $45,000 and $1,642,500. Across all industries the median is $180,000.
Which lenders are most active in home centers?: By dollars approved: Newtek Small Business Finance, Inc., Wells Fargo Bank, Empire State Certified Development Corporation, Beacon Bank and Trust, Harvest Small Business Finance, LLC. 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 home centers considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.1% were charged off, versus 7.6% across all SBA lending. That is close to average.

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