How much do SBA lenders typically lend to a hobby, toy, and game stores business?

The median SBA approval in NAICS 451120 is $75,000, with the middle 80% of loans between $15,000 and $458,000. Across all industries the median is $180,000.

Which lenders are most active in hobby, toy, and game stores?

By dollars approved: Wells Fargo Bank, The Huntington National Bank, JPMorgan Chase Bank, BMO Bank, 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 hobby, toy, and game stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.3% 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 451120 · Retail

SBA loans for hobby, toy, and game stores

954 SBA loans worth $176.9M have been approved in this industry since FY2010 - the #213 most-financed NAICS code in the country.

Median loan

$75,000

-58% vs all industries

Typical range

$15K-$458K

Middle 80%

Median rate

6.35%

7(a) initial note rate

Median term

7 yr

Charge-off rate

10.3%

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
Wells Fargo Bank	82	$10.2M
The Huntington National Bank	66	$10.1M
JPMorgan Chase Bank	64	$6.9M
BMO Bank	5	$5.2M
U.S. Bank	38	$5.2M
First-Citizens Bank & Trust Company	6	$4.0M
Citizens Business Bank	2	$3.9M
Manufacturers and Traders Trust Company	46	$3.8M
Chelsea State Bank	3	$3.8M
Enterprise Bank & Trust	4	$3.8M

Geography

Where these loans were made

State	Loans	Share
California	87
Texas	61
New York	56
Ohio	54
Wisconsin	47
Massachusetts	41
Minnesota	40
Pennsylvania	38

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
34%
$50K - $150K
33%
$150K - $350K
18%
$350K - $1M
12%
$1M - $2M
3%
Over $2M
0%

Nearby

Other retail industries

See the sector

All Other Miscellaneous Store Retailers4,300 · $107,450 Sporting Goods Stores3,679 · $121,000 Gasoline Stations with Convenience Stores2,813 · $1,292,200 Electronic Shopping and Mail-Order Houses2,417 · $100,000 Clothing and Clothing Accessories Retailers2,378 · $135,000 Other Direct Selling Establishments2,300 · $150,000 Electronic Shopping2,110 · $50,000 All Other Miscellaneous Retailers1,536 · $150,000

Common questions

How much do SBA lenders typically lend to a hobby, toy, and game stores business?: The median SBA approval in NAICS 451120 is $75,000, with the middle 80% of loans between $15,000 and $458,000. Across all industries the median is $180,000.
Which lenders are most active in hobby, toy, and game stores?: By dollars approved: Wells Fargo Bank, The Huntington National Bank, JPMorgan Chase Bank, BMO Bank, 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 hobby, toy, and game stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.3% 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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