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

The median SBA approval in NAICS 448310 is $100,000, with the middle 80% of loans between $20,000 and $675,000. Across all industries the median is $180,000.

Which lenders are most active in jewelry stores?

By dollars approved: The Huntington National Bank, Byline Bank, Wells Fargo Bank, JPMorgan Chase Bank, KeyBank. 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 jewelry stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.3% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 448310 · Retail

SBA loans for jewelry stores

1,699 SBA loans worth $485.8M have been approved in this industry since FY2010 - the #135 most-financed NAICS code in the country.

Median loan

$100,000

-44% vs all industries

Typical range

$20K-$675K

Middle 80%

Median rate

6.25%

7(a) initial note rate

Median term

7 yr

Charge-off rate

8.3%

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
The Huntington National Bank	143	$22.9M
Byline Bank	14	$17.2M
Wells Fargo Bank	138	$17.0M
JPMorgan Chase Bank	102	$16.6M
KeyBank	32	$14.5M
Fifth Third Bank	26	$11.3M
U.S. Bank	87	$8.3M
Busey Bank	5	$8.2M
BayFirst National Bank	23	$7.7M
PNC Bank	32	$7.7M

Geography

Where these loans were made

State	Loans	Share
California	205
New York	145
Ohio	123
Florida	116
Texas	103
Massachusetts	90
Michigan	82
Illinois	60

Approvals by fiscal year

’10

’11

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
29%
$50K - $150K
28%
$150K - $350K
20%
$350K - $1M
16%
$1M - $2M
4%
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 jewelry stores business?: The median SBA approval in NAICS 448310 is $100,000, with the middle 80% of loans between $20,000 and $675,000. Across all industries the median is $180,000.
Which lenders are most active in jewelry stores?: By dollars approved: The Huntington National Bank, Byline Bank, Wells Fargo Bank, JPMorgan Chase Bank, KeyBank. 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 jewelry stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.3% were charged off, versus 7.6% across all SBA lending. That is close to average.

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