How much do SBA lenders typically lend to a hardware retailers business?

The median SBA approval in NAICS 444140 is $477,650, with the middle 80% of loans between $50,000 and $2,386,000. Across all industries the median is $180,000.

Which lenders are most active in hardware retailers?

By dollars approved: Live Oak Banking Company, Byline Bank, Wells Fargo Bank, The Huntington National Bank, TD 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.

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NAICS 444140 · Retail

SBA loans for hardware retailers

568 SBA loans worth $489.1M have been approved in this industry since FY2010 - the #316 most-financed NAICS code in the country.

Median loan

$477,650

+165% vs all industries

Typical range

$50K-$2.4M

Middle 80%

Median rate

9.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

Cohort too small

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
Live Oak Banking Company	94	$143.0M
Byline Bank	13	$18.0M
Wells Fargo Bank	18	$14.4M
The Huntington National Bank	33	$11.9M
TD Bank	10	$10.8M
BankVista	5	$8.5M
Bank of America	8	$7.9M
Newtek Bank	17	$7.7M
Enterprise Bank & Trust	3	$7.6M
BankUnited	4	$7.1M

Geography

Where these loans were made

State	Loans	Share
California	60
Ohio	42
Texas	42
Wisconsin	31
Michigan	31
Florida	30
New York	27
Minnesota	18

An SBA 7(a) lender for loans this size

43% of the SBA loans approved in hardware retailers since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.

Check options with SmartBiz

We may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.

Approvals by fiscal year

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
8%
$50K - $150K
18%
$150K - $350K
18%
$350K - $1M
29%
$1M - $2M
14%
Over $2M
13%

Franchise brands in Hardware Retailers

Franchise brand	Loans	Approved
Ace Hardware	158	$190.9M
Do it Best	28	$17.3M
True Value Company LLC	21	$20.8M
Snap-On	6	$1.3M
Cornwell Quality Tools	2	$235K
Matco Tools	2	$550K
Hardware Hank	1	$1.3M
Batteries Plus	1	$266K
Mac Tools	1	$350K

Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.

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 hardware retailers business?: The median SBA approval in NAICS 444140 is $477,650, with the middle 80% of loans between $50,000 and $2,386,000. Across all industries the median is $180,000.
Which lenders are most active in hardware retailers?: By dollars approved: Live Oak Banking Company, Byline Bank, Wells Fargo Bank, The Huntington National Bank, TD 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.

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