How much do SBA lenders typically lend to a optical goods stores business?

The median SBA approval in NAICS 446130 is $150,000, with the middle 80% of loans between $25,000 and $579,000. Across all industries the median is $180,000.

Which lenders are most active in optical goods stores?

By dollars approved: Wells Fargo Bank, U.S. Bank, United Community Bank, The Huntington National Bank, JPMorgan Chase 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 optical goods stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.2% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 446130 · Retail

SBA loans for optical goods stores

492 SBA loans worth $145.2M have been approved in this industry since FY2010 - the #344 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$25K-$579K

Middle 80%

Median rate

6.05%

7(a) initial note rate

Median term

10 yr

Charge-off rate

7.2%

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
Wells Fargo Bank	35	$12.8M
U.S. Bank	28	$9.1M
United Community Bank	14	$7.2M
The Huntington National Bank	19	$7.0M
JPMorgan Chase Bank	34	$5.0M
Business Initiative Corporation of New York	1	$5.0M
Heritage Bank	2	$5.0M
PromiseOne Bank	7	$4.4M
Stearns Bank	12	$4.0M
BancFirst	9	$3.5M

Geography

Where these loans were made

State	Loans	Share
New York	56
California	43
Texas	41
Massachusetts	30
Florida	27
Puerto Rico	26
Pennsylvania	26
Minnesota	18

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’25

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
20%
$50K - $150K
28%
$150K - $350K
24%
$350K - $1M
24%
$1M - $2M
3%
Over $2M
2%

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 optical goods stores business?: The median SBA approval in NAICS 446130 is $150,000, with the middle 80% of loans between $25,000 and $579,000. Across all industries the median is $180,000.
Which lenders are most active in optical goods stores?: By dollars approved: Wells Fargo Bank, U.S. Bank, United Community Bank, The Huntington National Bank, JPMorgan Chase 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 optical goods stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.2% were charged off, versus 7.6% across all SBA lending. That is close to average.

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