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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 | Share |
|---|---|---|---|
| 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 |
An SBA 7(a) lender for loans this size
86% of the SBA loans approved in clothing accessories stores since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Approvals by fiscal year
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K41%
- $50K - $150K25%
- $150K - $350K20%
- $350K - $1M9%
- $1M - $2M3%
- Over $2M2%
Franchise brands in Clothing Accessories Stores
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Plato's Closet | 7 | $1.1M | |
| Uptown Cheapskate | 6 | $3.0M | |
| Lizard Thicket | 4 | $1.4M | |
| Style Encore | 4 | $758K | |
| Clothes Mentor | 3 | $504K | |
| Flip Flop Shops | 2 | $242K | |
| Apricot Lane | 2 | $286K | |
| Scout & Molly's | 2 | $408K | |
| Once Upon A Child | 1 | $265K | |
| Sears Hometown Store | 1 | $136K |
Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.
Nearby
Other retail industries
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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