How much do SBA lenders typically lend to a family clothing stores business?

The median SBA approval in NAICS 448140 is $70,000, with the middle 80% of loans between $10,000 and $657,000. Across all industries the median is $180,000.

Which lenders are most active in family clothing stores?

By dollars approved: Wells Fargo Bank, TD Bank, Empire State Certified Development Corporation, 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 family clothing stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 11.8% 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 448140 · Retail

SBA loans for family clothing stores

802 SBA loans worth $192.8M have been approved in this industry since FY2010 - the #237 most-financed NAICS code in the country.

Median loan

$70,000

-61% vs all industries

Typical range

$10K-$657K

Middle 80%

Median rate

6.49%

7(a) initial note rate

Median term

7 yr

Charge-off rate

11.8%

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	93	$14.1M
TD Bank	36	$6.6M
Empire State Certified Development Corporation	5	$6.5M
Bank of Hope	17	$6.2M
The Huntington National Bank	59	$5.9M
JPMorgan Chase Bank	44	$5.5M
Newtek Small Business Finance, Inc.	8	$5.5M
U.S. Bank	42	$4.8M
Pinnacle Bank	4	$4.4M
Community Banks of Colorado, A Division of NBH Bank	2	$4.3M

Geography

Where these loans were made

State	Loans	Share
California	98
New York	79
Texas	48
Florida	43
New Jersey	35
Michigan	34
Ohio	29
Missouri	26

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

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’22

’23

’24

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
39%
$50K - $150K
28%
$150K - $350K
17%
$350K - $1M
10%
$1M - $2M
5%
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 family clothing stores business?: The median SBA approval in NAICS 448140 is $70,000, with the middle 80% of loans between $10,000 and $657,000. Across all industries the median is $180,000.
Which lenders are most active in family clothing stores?: By dollars approved: Wells Fargo Bank, TD Bank, Empire State Certified Development Corporation, 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 family clothing stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 11.8% 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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