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NAICS 453310 · Retail
SBA loans for used merchandise stores
1,142 SBA loans worth $265.9M have been approved in this industry since FY2010 - the #182 most-financed NAICS code in the country.
Median loan
$100,000
-44% vs all industries
Typical range
$12K-$570K
Middle 80%
Median rate
6.00%
7(a) initial note rate
Median term
10 yr
Charge-off rate
8.9%
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 | 109 | $21.2M | |
| Enterprise Bank & Trust | 10 | $9.2M | |
| The Huntington National Bank | 78 | $8.5M | |
| Columbia Bank | 35 | $8.2M | |
| Empire State Certified Development Corporation | 7 | $7.9M | |
| U.S. Bank | 42 | $6.9M | |
| TD Bank | 37 | $6.9M | |
| JPMorgan Chase Bank | 35 | $6.7M | |
| CDC Small Business Finance Corp. | 7 | $6.1M | |
| Truist Bank | 22 | $5.9M |
An SBA 7(a) lender for loans this size
81% of the SBA loans approved in used merchandise 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 $50K34%
- $50K - $150K22%
- $150K - $350K25%
- $350K - $1M15%
- $1M - $2M3%
- Over $2M1%
Franchise brands in Used Merchandise Stores
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Plato's Closet | 52 | $11.4M | |
| Once Upon A Child | 44 | $11.5M | |
| Uptown Cheapskate | 30 | $9.1M | |
| Clothes Mentor | 23 | $3.8M | |
| Kid to Kid | 10 | $2.4M | |
| Play It Again Sports | 7 | $1.7M | |
| Style Encore | 7 | $1.8M | |
| Just Between Friends | 3 | $434K | |
| Taylor Rental Center | 2 | $493K | |
| Ubreakifix | 1 | $113K |
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 used merchandise stores business?
- The median SBA approval in NAICS 453310 is $100,000, with the middle 80% of loans between $12,000 and $569,500. Across all industries the median is $180,000.
- Which lenders are most active in used merchandise stores?
- By dollars approved: Wells Fargo Bank, Enterprise Bank & Trust, The Huntington National Bank, Columbia Bank, Empire State Certified Development Corporation. 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 used merchandise stores considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.9% were charged off, versus 7.6% across all SBA lending. That is close to average.
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