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

The median SBA approval in NAICS 448150 is $55,000, with the middle 80% of loans between $10,200 and $483,900. Across all industries the median is $180,000.

Which lenders are most active in clothing accessories stores?

By dollars approved: JPMorgan Chase Bank, Wells Fargo Bank, Intermountain Business Lending, Inc., Zions Bank, A Division of, U.S. 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 clothing accessories stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 11.1% 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 448150 · Retail

SBA loans for clothing accessories stores

834 SBA loans worth $179.2M have been approved in this industry since FY2010 - the #231 most-financed NAICS code in the country.

Median loan

$55,000

-69% vs all industries

Typical range

$10K-$484K

Middle 80%

Median rate

6.32%

7(a) initial note rate

Median term

7 yr

Charge-off rate

11.1%

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
JPMorgan Chase Bank	76	$14.2M
Wells Fargo Bank	79	$10.5M
Intermountain Business Lending, Inc.	2	$8.4M
Zions Bank, A Division of	5	$6.0M
U.S. Bank	43	$5.7M
Bank of Hope	9	$5.2M
World Trade Finance, Inc.	1	$5.0M
Byline Bank	2	$4.2M
Newtek Small Business Finance, Inc.	6	$3.7M
Kinecta FCU	3	$3.5M

Geography

Where these loans were made

State	Loans	Share
California	92
New York	85
Texas	50
Florida	48
Ohio	33
Pennsylvania	31
Minnesota	28
New Jersey	28

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

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’18

’19

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’24

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
41%
$50K - $150K
25%
$150K - $350K
20%
$350K - $1M
9%
$1M - $2M
3%
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 clothing accessories stores business?: The median SBA approval in NAICS 448150 is $55,000, with the middle 80% of loans between $10,200 and $483,900. Across all industries the median is $180,000.
Which lenders are most active in clothing accessories stores?: By dollars approved: JPMorgan Chase Bank, Wells Fargo Bank, Intermountain Business Lending, Inc., Zions Bank, A Division of, U.S. 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 clothing accessories stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 11.1% 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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