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

The median SBA approval in NAICS 444240 is $249,000, with the middle 80% of loans between $30,000 and $1,375,000. Across all industries the median is $180,000.

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

By dollars approved: Live Oak Banking Company, TD Bank, First Internet Bank of Indiana, The Huntington National Bank, Wells Fargo 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.

Advertiser disclosure: Some links on this page earn us a commission. Compensation never affects our data, our rankings, or which lenders we cover. How we make money.

NAICS 444240 · Retail

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

368 SBA loans worth $197.7M have been approved in this industry since FY2010 - the #409 most-financed NAICS code in the country.

Median loan

$249,000

+38% vs all industries

Typical range

$30K-$1.4M

Middle 80%

Median rate

9.50%

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	9	$13.1M
TD Bank	8	$8.9M
First Internet Bank of Indiana	6	$7.9M
The Huntington National Bank	22	$6.5M
Wells Fargo Bank	8	$6.4M
Florida Business Development Corporation	7	$6.0M
Business Finance Capital	2	$5.8M
Pinnacle Bank	3	$5.6M
Readycap Lending, LLC	12	$4.7M
Fifth Third Bank	4	$4.6M

Geography

Where these loans were made

State	Loans	Share
California	46
Florida	32
Washington	23
Texas	23
Ohio	20
New York	19
Michigan	15
Oregon	15

An SBA 7(a) lender for loans this size

60% of the SBA loans approved in nursery, garden center, and farm supply 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

’21

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
13%
$50K - $150K
23%
$150K - $350K
24%
$350K - $1M
26%
$1M - $2M
8%
Over $2M
7%

Franchise brands in Nursery, Garden Center, and Farm Supply Retailers

Franchise brand	Loans	Approved	Share
Do it Best	1	$1.4M

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 nursery, garden center, and farm supply retailers business?: The median SBA approval in NAICS 444240 is $249,000, with the middle 80% of loans between $30,000 and $1,375,000. Across all industries the median is $180,000.
Which lenders are most active in nursery, garden center, and farm supply retailers?: By dollars approved: Live Oak Banking Company, TD Bank, First Internet Bank of Indiana, The Huntington National Bank, Wells Fargo 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.