How much do SBA lenders typically lend to a men's clothing stores business?

The median SBA approval in NAICS 448110 is $100,000, with the middle 80% of loans between $20,000 and $539,000. Across all industries the median is $180,000.

Which lenders are most active in men's clothing stores?

By dollars approved: Wells Fargo Bank, Empire State Certified Development Corporation, JPMorgan Chase Bank, Trenton Business Assistance Corporation, Bank of Hope. 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 men's clothing stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.9% 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 448110 · Retail

SBA loans for men's clothing stores

433 SBA loans worth $105.4M have been approved in this industry since FY2010 - the #363 most-financed NAICS code in the country.

Median loan

$100,000

-44% vs all industries

Typical range

$20K-$539K

Middle 80%

Median rate

6.25%

7(a) initial note rate

Median term

7 yr

Charge-off rate

9.9%

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	36	$11.2M
Empire State Certified Development Corporation	7	$7.4M
JPMorgan Chase Bank	43	$5.3M
Trenton Business Assistance Corporation	2	$4.5M
Bank of Hope	5	$3.9M
VelocitySBA, LLC	3	$3.8M
NexBank	1	$3.8M
The Huntington National Bank	27	$3.4M
Enterprise Bank & Trust	4	$3.2M
U.S. Bank	17	$2.8M

Geography

Where these loans were made

State	Loans	Share
California	74
New York	53
Massachusetts	23
Minnesota	23
Ohio	17
New Jersey	15
Texas	13
Illinois	12

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
28%
$50K - $150K
32%
$150K - $350K
20%
$350K - $1M
17%
$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 men's clothing stores business?: The median SBA approval in NAICS 448110 is $100,000, with the middle 80% of loans between $20,000 and $539,000. Across all industries the median is $180,000.
Which lenders are most active in men's clothing stores?: By dollars approved: Wells Fargo Bank, Empire State Certified Development Corporation, JPMorgan Chase Bank, Trenton Business Assistance Corporation, Bank of Hope. 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 men's clothing stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.9% 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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