How much do SBA lenders typically lend to a children's and infants' clothing stores business?

The median SBA approval in NAICS 448130 is $74,350, with the middle 80% of loans between $15,000 and $311,600. Across all industries the median is $180,000.

Which lenders are most active in children's and infants' clothing stores?

By dollars approved: Wells Fargo Bank, JPMorgan Chase Bank, The Huntington National Bank, Truist Bank, NewBank. 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 children's and infants' clothing stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.5% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 448130 · Retail

SBA loans for children's and infants' clothing stores

494 SBA loans worth $73.0M have been approved in this industry since FY2010 - the #342 most-financed NAICS code in the country.

Median loan

$74,350

-59% vs all industries

Typical range

$15K-$312K

Middle 80%

Median rate

6.25%

7(a) initial note rate

Median term

7 yr

Charge-off rate

9.5%

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	67	$11.8M
JPMorgan Chase Bank	47	$7.1M
The Huntington National Bank	36	$2.7M
Truist Bank	13	$2.5M
NewBank	2	$1.8M
PCB Bank	1	$1.8M
Regions Bank	4	$1.7M
Stearns Bank	5	$1.6M
TD Bank	21	$1.5M
Enterprise Bank	4	$1.4M

Geography

Where these loans were made

State	Loans	Share
New York	49
Texas	47
California	43
Florida	31
New Jersey	23
Ohio	20
Michigan	18
Minnesota	16

Approvals by fiscal year

’10

’11

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’14

’15

’16

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’18

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
34%
$50K - $150K
31%
$150K - $350K
27%
$350K - $1M
6%
$1M - $2M
1%
Over $2M
0%

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 children's and infants' clothing stores business?: The median SBA approval in NAICS 448130 is $74,350, with the middle 80% of loans between $15,000 and $311,600. Across all industries the median is $180,000.
Which lenders are most active in children's and infants' clothing stores?: By dollars approved: Wells Fargo Bank, JPMorgan Chase Bank, The Huntington National Bank, Truist Bank, NewBank. 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 children's and infants' clothing stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.5% were charged off, versus 7.6% across all SBA lending. That is close to average.

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