NAICS 445220 · Retail
SBA loans for fish and seafood markets
230 SBA loans worth $56.7M have been approved in this industry since FY2010 - the #507 most-financed NAICS code in the country.
Median loan
$100,000
-44% vs all industries
Typical range
$20K-$619K
Middle 80%
Median rate
6.50%
7(a) initial note rate
Median term
7 yr
Charge-off rate
4.7%
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 |
|---|---|---|---|
| JPMorgan Chase Bank | 15 | $4.3M | |
| Empire State Certified Development Corporation | 3 | $3.8M | |
| KeyBank | 8 | $3.7M | |
| Wells Fargo Bank | 14 | $3.7M | |
| The Huntington National Bank | 16 | $2.2M | |
| Celtic Bank Corporation | 1 | $1.8M | |
| Bank of Hope | 10 | $1.8M | |
| Dime Commercial Bank | 1 | $1.6M | |
| The Bank of Princeton | 6 | $1.6M | |
| Beacon Bank and Trust | 4 | $1.4M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| New York | 54 | |
| Pennsylvania | 14 | |
| New Jersey | 14 | |
| Florida | 14 | |
| California | 13 | |
| Massachusetts | 12 | |
| Maryland | 9 | |
| North Carolina | 9 |
Approvals by fiscal year
’10
’11
’12
’13
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K26%
- $50K - $150K34%
- $150K - $350K20%
- $350K - $1M14%
- $1M - $2M6%
- Over $2M0%
Nearby
Other retail industries
Gasoline Stations with Convenience Stores9,734 · $788,400Beer, Wine, and Liquor Stores8,158 · $300,000Supermarkets and Other Grocery Retailers7,314 · $350,000Pharmacies and Drug Stores4,651 · $350,000Convenience Stores4,629 · $179,100Used Car Dealers4,422 · $227,750Automotive Parts and Accessories Stores2,779 · $181,100Beer, Wine, and Liquor Retailers2,760 · $500,000
Common questions
- How much do SBA lenders typically lend to a fish and seafood markets business?
- The median SBA approval in NAICS 445220 is $100,000, with the middle 80% of loans between $20,000 and $619,000. Across all industries the median is $180,000.
- Which lenders are most active in fish and seafood markets?
- By dollars approved: JPMorgan Chase Bank, Empire State Certified Development Corporation, KeyBank, Wells Fargo 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.
- Is fish and seafood markets considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.7% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.
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