How much do SBA lenders typically lend to a electronics and appliance retailers business?

The median SBA approval in NAICS 449210 is $200,000, with the middle 80% of loans between $25,000 and $1,426,000. Across all industries the median is $180,000.

Which lenders are most active in electronics and appliance retailers?

By dollars approved: FinWise Bank, U.S. Bank, Readycap Lending, LLC, Business Finance Capital, MVB Bank, Inc.. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

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NAICS 449210 · Retail

SBA loans for electronics and appliance retailers

574 SBA loans worth $295.9M have been approved in this industry since FY2010 - the #313 most-financed NAICS code in the country.

Median loan

$200,000

+11% vs all industries

Typical range

$25K-$1.4M

Middle 80%

Median rate

10.25%

7(a) initial note rate

Median term

10 yr

Charge-off rate

Cohort too small

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
FinWise Bank	10	$13.7M
U.S. Bank	58	$11.8M
Readycap Lending, LLC	28	$10.9M
Business Finance Capital	6	$10.9M
MVB Bank, Inc.	4	$9.9M
Live Oak Banking Company	7	$9.2M
Harvest Small Business Finance, LLC	6	$7.4M
Northeast Bank	37	$7.1M
Capital Certified Development Corporation	2	$6.9M
Trenton Business Assistance Corporation	4	$6.8M

Geography

Where these loans were made

State	Loans	Share
New York	74
California	63
Florida	59
Texas	32
New Jersey	29
Ohio	24
Michigan	18
Arizona	16

An SBA 7(a) lender for loans this size

61% of the SBA loans approved in electronics and appliance retailers 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 SmartBiz

We 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

’17

’18

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
17%
$50K - $150K
22%
$150K - $350K
22%
$350K - $1M
25%
$1M - $2M
7%
Over $2M
7%

Franchise brands in Electronics and Appliance Retailers

Franchise brand	Loans	Approved
PayMore Stores	14	$4.1M
Batteries Plus	7	$3.0M
Johnstone Supply, Inc.	2	$2.2M
Wireless Zone	1	$495K

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

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 electronics and appliance retailers business?: The median SBA approval in NAICS 449210 is $200,000, with the middle 80% of loans between $25,000 and $1,426,000. Across all industries the median is $180,000.
Which lenders are most active in electronics and appliance retailers?: By dollars approved: FinWise Bank, U.S. Bank, Readycap Lending, LLC, Business Finance Capital, MVB Bank, Inc.. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.