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

The median SBA approval in NAICS 452112 is $42,200, with the middle 80% of loans between $10,000 and $650,000. Across all industries the median is $180,000.

Which lenders are most active in discount department stores?

By dollars approved: Regions Bank, New York Business Development Corporation, American Continental Bank, U.S. Bank, Stearns 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 discount department stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 12.8% 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 452112 · Retail

SBA loans for discount department stores

51 SBA loans worth $12.5M have been approved in this industry since FY2010 - the #855 most-financed NAICS code in the country.

Median loan

$42,200

-77% vs all industries

Typical range

$10K-$650K

Middle 80%

Median rate

6.56%

7(a) initial note rate

Median term

7 yr

Charge-off rate

12.8%

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
Regions Bank	2	$3.7M
New York Business Development Corporation	1	$2.5M
American Continental Bank	3	$1.9M
U.S. Bank	4	$789K
Stearns Bank	3	$679K
Metro City Bank	1	$650K
First Community Bank	1	$400K
Peoples Bank	1	$350K
Celtic Bank Corporation	2	$250K
First-Citizens Bank & Trust Company	1	$225K

Geography

Where these loans were made

State	Loans	Share
Texas	9
California	8
New York	5
Florida	3
Hawaii	2
New Mexico	2
Iowa	2
Missouri	2

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’20

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
53%
$50K - $150K
16%
$150K - $350K
14%
$350K - $1M
12%
$1M - $2M
4%
Over $2M
2%

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 discount department stores business?: The median SBA approval in NAICS 452112 is $42,200, with the middle 80% of loans between $10,000 and $650,000. Across all industries the median is $180,000.
Which lenders are most active in discount department stores?: By dollars approved: Regions Bank, New York Business Development Corporation, American Continental Bank, U.S. Bank, Stearns 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 discount department stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 12.8% 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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