How much do SBA lenders typically lend to a all other health and personal care stores business?

The median SBA approval in NAICS 446199 is $143,450, with the middle 80% of loans between $15,000 and $846,000. Across all industries the median is $180,000.

Which lenders are most active in all other health and personal care stores?

By dollars approved: Truist Bank, Wells Fargo Bank, The Huntington National Bank, U.S. Bank, Beacon Bank and Trust. 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 all other health and personal care stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 14.1% 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 446199 · Retail

SBA loans for all other health and personal care stores

1,006 SBA loans worth $330.1M have been approved in this industry since FY2010 - the #203 most-financed NAICS code in the country.

Median loan

$143,450

-20% vs all industries

Typical range

$15K-$846K

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

7.8 yr

Charge-off rate

14.1%

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
Truist Bank	41	$29.7M
Wells Fargo Bank	109	$20.9M
The Huntington National Bank	76	$20.8M
U.S. Bank	48	$10.0M
Beacon Bank and Trust	9	$9.5M
Manufacturers and Traders Trust Company	57	$9.1M
JPMorgan Chase Bank	40	$8.7M
Capital Bank	4	$6.7M
United Midwest Savings Bank	25	$5.8M
The Bancorp Bank	1	$5.0M

Geography

Where these loans were made

State	Loans	Share
California	135
Florida	96
Ohio	78
Texas	66
New York	51
Pennsylvania	39
Maryland	29
North Carolina	28

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
26%
$50K - $150K
24%
$150K - $350K
25%
$350K - $1M
17%
$1M - $2M
6%
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 all other health and personal care stores business?: The median SBA approval in NAICS 446199 is $143,450, with the middle 80% of loans between $15,000 and $846,000. Across all industries the median is $180,000.
Which lenders are most active in all other health and personal care stores?: By dollars approved: Truist Bank, Wells Fargo Bank, The Huntington National Bank, U.S. Bank, Beacon Bank and Trust. 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 all other health and personal care stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 14.1% 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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