How much do SBA lenders typically lend to a confectionery and nut retailers business?

The median SBA approval in NAICS 445292 is $140,000, with the middle 80% of loans between $23,300 and $558,300. Across all industries the median is $180,000.

Which lenders are most active in confectionery and nut retailers?

By dollars approved: The Huntington National Bank, Wells Fargo Bank, U.S. Bank, Customers Bank, Nicolet 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 confectionery and nut retailers considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.8% were charged off, versus 7.6% across all SBA lending. That is materially above average, which in practice tends to mean tighter underwriting, more collateral, or a larger equity injection.

NAICS 445292 · Retail

SBA loans for confectionery and nut retailers

582 SBA loans worth $140.1M have been approved in this industry since FY2010 - the #310 most-financed NAICS code in the country.

Median loan

$140,000

-22% vs all industries

Typical range

$23K-$558K

Middle 80%

Median rate

6.75%

7(a) initial note rate

Median term

10 yr

Charge-off rate

9.8%

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
The Huntington National Bank	73	$9.9M
Wells Fargo Bank	37	$4.8M
U.S. Bank	26	$4.3M
Customers Bank	2	$3.8M
Nicolet National Bank	6	$3.8M
Plumas Bank	1	$3.7M
California Statewide Certified Development Corporation	3	$3.4M
Renasant Bank	2	$3.2M
Manufacturers and Traders Trust Company	26	$3.1M
TD Bank	12	$2.5M

Geography

Where these loans were made

State	Loans	Share
California	59
Ohio	50
New York	48
Michigan	34
Texas	23
Florida	22
Colorado	22
Massachusetts	21

Approvals by fiscal year

’10

’11

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
25%
$50K - $150K
26%
$150K - $350K
26%
$350K - $1M
19%
$1M - $2M
3%
Over $2M
1%

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 confectionery and nut retailers business?: The median SBA approval in NAICS 445292 is $140,000, with the middle 80% of loans between $23,300 and $558,300. Across all industries the median is $180,000.
Which lenders are most active in confectionery and nut retailers?: By dollars approved: The Huntington National Bank, Wells Fargo Bank, U.S. Bank, Customers Bank, Nicolet 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 confectionery and nut retailers considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.8% were charged off, versus 7.6% across all SBA lending. That is materially above average, which in practice tends to mean tighter underwriting, more collateral, or a larger equity injection.

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