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NAICS 451110 · Retail
SBA loans for sporting goods stores
3,679 SBA loans worth $1.16B have been approved in this industry since FY2010 - the #63 most-financed NAICS code in the country.
Median loan
$121,000
-33% vs all industries
Typical range
$20K-$766K
Middle 80%
Median rate
6.00%
7(a) initial note rate
Median term
8.1 yr
Charge-off rate
10.4%
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 |
|---|---|---|---|
| Wells Fargo Bank | 262 | $77.0M | |
| U.S. Bank | 180 | $49.1M | |
| The Huntington National Bank | 256 | $36.3M | |
| Live Oak Banking Company | 13 | $24.7M | |
| JPMorgan Chase Bank | 150 | $22.9M | |
| Truist Bank | 64 | $19.5M | |
| Mortgage Capital Development Corporation | 8 | $18.8M | |
| Celtic Bank Corporation | 41 | $18.1M | |
| BMO Bank | 18 | $15.7M | |
| Newtek Small Business Finance, Inc. | 24 | $15.7M |
An SBA 7(a) lender for loans this size
76% of the SBA loans approved in sporting goods 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 $50K26%
- $50K - $150K28%
- $150K - $350K22%
- $350K - $1M16%
- $1M - $2M5%
- Over $2M3%
Franchise brands in Sporting Goods Stores
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Play It Again Sports | 86 | $22.1M | |
| Fleet Feet Sports | 12 | $5.1M | |
| Endurance House | 12 | $2.8M | |
| Golf Etc. | 10 | $1.9M | |
| Velofix | 4 | $261K | |
| Pro Image | 3 | $576K | |
| Polaris | 2 | $1.8M | |
| Yamaha Sales Center | 2 | $1.2M | |
| BRP US Inc. | 1 | $732K | |
| Mercury Marine Dealer Sales and Service Agreement | 1 | $1.6M |
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 sporting goods stores business?
- The median SBA approval in NAICS 451110 is $121,000, with the middle 80% of loans between $20,000 and $766,000. Across all industries the median is $180,000.
- Which lenders are most active in sporting goods stores?
- By dollars approved: Wells Fargo Bank, U.S. Bank, The Huntington National Bank, Live Oak Banking Company, JPMorgan Chase 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 sporting goods stores considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.4% 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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