How much do SBA lenders typically lend to a all other general merchandise stores business?

The median SBA approval in NAICS 452319 is $100,000, with the middle 80% of loans between $10,000 and $1,020,000. Across all industries the median is $180,000.

Which lenders are most active in all other general merchandise stores?

By dollars approved: Mortgage Capital Development Corporation, Live Oak Banking Company, The Huntington National Bank, Open Bank, Wells Fargo 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 all other general merchandise stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 12.2% 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 452319 · Retail

SBA loans for all other general merchandise stores

281 SBA loans worth $99.9M have been approved in this industry since FY2010 - the #464 most-financed NAICS code in the country.

Median loan

$100,000

-44% vs all industries

Typical range

$10K-$1.0M

Middle 80%

Median rate

6.50%

7(a) initial note rate

Median term

10 yr

Charge-off rate

12.2%

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
Mortgage Capital Development Corporation	5	$5.2M
Live Oak Banking Company	2	$5.0M
The Huntington National Bank	36	$4.9M
Open Bank	1	$4.8M
Wells Fargo Bank	28	$4.7M
Bank of Hope	11	$4.5M
Commonwealth Business Bank	4	$4.1M
PCB Bank	3	$3.7M
TransPecos Banks	1	$3.7M
Trenton Business Assistance Corporation	2	$3.4M

Geography

Where these loans were made

State	Loans	Share
California	45
Ohio	25
New York	24
Texas	18
Michigan	18
Pennsylvania	12
New Jersey	11
Minnesota	11

Approvals by fiscal year

’12

’15

’17

’18

’19

’20

’21

’22

’23

’24

’25

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
31%
$50K - $150K
24%
$150K - $350K
21%
$350K - $1M
14%
$1M - $2M
7%
Over $2M
3%

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 all other general merchandise stores business?: The median SBA approval in NAICS 452319 is $100,000, with the middle 80% of loans between $10,000 and $1,020,000. Across all industries the median is $180,000.
Which lenders are most active in all other general merchandise stores?: By dollars approved: Mortgage Capital Development Corporation, Live Oak Banking Company, The Huntington National Bank, Open Bank, Wells Fargo 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 all other general merchandise stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 12.2% 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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