How much do SBA lenders typically lend to a nursery, garden center, and farm supply stores business?

The median SBA approval in NAICS 444220 is $150,000, with the middle 80% of loans between $25,000 and $1,070,000. Across all industries the median is $180,000.

Which lenders are most active in nursery, garden center, and farm supply stores?

By dollars approved: Wells Fargo Bank, U.S. Bank, The Huntington National Bank, Newtek Small Business Finance, Inc., Fulton 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 nursery, garden center, and farm supply stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 6.8% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 444220 · Retail

SBA loans for nursery, garden center, and farm supply stores

1,209 SBA loans worth $461.0M have been approved in this industry since FY2010 - the #174 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$25K-$1.1M

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

6.8%

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	77	$28.4M
U.S. Bank	58	$25.6M
The Huntington National Bank	113	$22.7M
Newtek Small Business Finance, Inc.	21	$15.6M
Fulton Bank	7	$12.1M
Celtic Bank Corporation	11	$8.3M
JPMorgan Chase Bank	37	$8.2M
Atlantic Union Bank	6	$7.2M
Live Oak Banking Company	3	$7.0M
KeyBank	21	$6.5M

Geography

Where these loans were made

State	Loans	Share
California	131
Ohio	97
Texas	55
New York	54
Wisconsin	50
Washington	45
Oregon	44
Florida	42

Approvals by fiscal year

’10

’11

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’14

’15

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’17

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’25

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
21%
$50K - $150K
28%
$150K - $350K
19%
$350K - $1M
21%
$1M - $2M
8%
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 nursery, garden center, and farm supply stores business?: The median SBA approval in NAICS 444220 is $150,000, with the middle 80% of loans between $25,000 and $1,070,000. Across all industries the median is $180,000.
Which lenders are most active in nursery, garden center, and farm supply stores?: By dollars approved: Wells Fargo Bank, U.S. Bank, The Huntington National Bank, Newtek Small Business Finance, Inc., Fulton 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 nursery, garden center, and farm supply stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 6.8% were charged off, versus 7.6% across all SBA lending. That is close to average.

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