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

The median SBA approval in NAICS 452990 is $80,000, with the middle 80% of loans between $13,400 and $670,000. Across all industries the median is $180,000.

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

By dollars approved: Wells Fargo Bank, U.S. Bank, Bank of Hope, JPMorgan Chase Bank, The Huntington National 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, 9.4% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 452990 · Retail

SBA loans for all other general merchandise stores

843 SBA loans worth $214.3M have been approved in this industry since FY2010 - the #228 most-financed NAICS code in the country.

Median loan

$80,000

-56% vs all industries

Typical range

$13K-$670K

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

7 yr

Charge-off rate

9.4%

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
Wells Fargo Bank	79	$20.9M
U.S. Bank	33	$12.2M
Bank of Hope	23	$10.0M
JPMorgan Chase Bank	41	$9.1M
The Huntington National Bank	68	$9.0M
Hanmi Bank	8	$7.5M
Empire State Certified Development Corporation	5	$5.9M
Florida Business Development Corporation	9	$5.5M
Byline Bank	2	$5.5M
PNC Bank	28	$5.5M

Geography

Where these loans were made

State	Loans	Share
California	124
New York	70
Texas	62
Florida	52
Michigan	41
Ohio	36
Pennsylvania	30
Minnesota	26

Approvals by fiscal year

’10

’11

’12

’13

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’16

’17

’18

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
36%
$50K - $150K
27%
$150K - $350K
18%
$350K - $1M
14%
$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 all other general merchandise stores business?: The median SBA approval in NAICS 452990 is $80,000, with the middle 80% of loans between $13,400 and $670,000. Across all industries the median is $180,000.
Which lenders are most active in all other general merchandise stores?: By dollars approved: Wells Fargo Bank, U.S. Bank, Bank of Hope, JPMorgan Chase Bank, The Huntington National 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, 9.4% were charged off, versus 7.6% across all SBA lending. That is close to average.

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