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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 | Share |
|---|---|---|---|
| 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 |
An SBA 7(a) lender for loans this size
68% of the SBA loans approved in nursery, garden center, and farm supply stores 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 SmartBizWe 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
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K21%
- $50K - $150K28%
- $150K - $350K19%
- $350K - $1M21%
- $1M - $2M8%
- Over $2M3%
Franchise brands in Nursery, Garden Center, and Farm Supply Stores
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Wild Birds Unlimited | 6 | $2.7M | |
| True Value Hardware | 1 | $957K |
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
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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