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

The median SBA approval in NAICS 448120 is $60,000, with the middle 80% of loans between $12,300 and $350,000. Across all industries the median is $180,000.

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

By dollars approved: Wells Fargo Bank, JPMorgan Chase Bank, TD Bank, Bank of Hope, 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 women's clothing stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 13.0% 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 448120 · Retail

SBA loans for women's clothing stores

2,037 SBA loans worth $361.6M have been approved in this industry since FY2010 - the #116 most-financed NAICS code in the country.

Median loan

$60,000

-67% vs all industries

Typical range

$12K-$350K

Middle 80%

Median rate

6.50%

7(a) initial note rate

Median term

7 yr

Charge-off rate

13.0%

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	161	$19.5M
JPMorgan Chase Bank	163	$16.9M
TD Bank	112	$13.4M
Bank of Hope	38	$13.1M
The Huntington National Bank	107	$10.0M
Mortgage Capital Development Corporation	9	$9.4M
U.S. Bank	99	$9.0M
PCB Bank	9	$9.0M
Business Finance Capital	5	$8.2M
Bank of America	9	$6.5M

Geography

Where these loans were made

State	Loans	Share
California	258
New York	200
Texas	139
Florida	101
Ohio	85
Pennsylvania	72
Minnesota	70
Massachusetts	61

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
38%
$50K - $150K
31%
$150K - $350K
19%
$350K - $1M
8%
$1M - $2M
2%
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 women's clothing stores business?: The median SBA approval in NAICS 448120 is $60,000, with the middle 80% of loans between $12,300 and $350,000. Across all industries the median is $180,000.
Which lenders are most active in women's clothing stores?: By dollars approved: Wells Fargo Bank, JPMorgan Chase Bank, TD Bank, Bank of Hope, 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 women's clothing stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 13.0% 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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