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

The median SBA approval in NAICS 445131 is $252,600, with the middle 80% of loans between $26,800 and $1,230,000. Across all industries the median is $180,000.

Which lenders are most active in convenience retailers?

By dollars approved: Hanmi Bank, Commonwealth Business Bank, Readycap Lending, LLC, Open Bank, The Huntington National 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.

NAICS 445131 · Retail

SBA loans for convenience retailers

1,113 SBA loans worth $535.2M have been approved in this industry since FY2010 - the #187 most-financed NAICS code in the country.

Median loan

$252,600

+40% vs all industries

Typical range

$27K-$1.2M

Middle 80%

Median rate

9.75%

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
Hanmi Bank	37	$27.6M
Commonwealth Business Bank	46	$25.8M
Readycap Lending, LLC	28	$24.3M
Open Bank	16	$19.0M
The Huntington National Bank	90	$16.2M
US Metro Bank	10	$15.1M
Bank of Hope	28	$14.3M
Celtic Bank Corporation	17	$13.9M
Metro City Bank	16	$12.6M
U.S. Bank	40	$12.4M

Geography

Where these loans were made

State	Loans	Share
California	201
Washington	109
Texas	87
Ohio	82
Massachusetts	61
New York	61
Michigan	58
Florida	55

Approvals by fiscal year

’17

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
14%
$50K - $150K
23%
$150K - $350K
19%
$350K - $1M
30%
$1M - $2M
11%
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 convenience retailers business?: The median SBA approval in NAICS 445131 is $252,600, with the middle 80% of loans between $26,800 and $1,230,000. Across all industries the median is $180,000.
Which lenders are most active in convenience retailers?: By dollars approved: Hanmi Bank, Commonwealth Business Bank, Readycap Lending, LLC, Open Bank, The Huntington National 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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