How much do SBA lenders typically lend to a pet and pet supplies stores business?

The median SBA approval in NAICS 453910 is $150,000, with the middle 80% of loans between $20,000 and $933,000. Across all industries the median is $180,000.

Which lenders are most active in pet and pet supplies stores?

By dollars approved: The Huntington National Bank, Wells Fargo Bank, U.S. Bank, First Internet Bank of Indiana, JPMorgan Chase 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 pet and pet supplies stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.2% 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 453910 · Retail

SBA loans for pet and pet supplies stores

1,421 SBA loans worth $492.7M have been approved in this industry since FY2010 - the #155 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$20K-$933K

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

10.2%

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
The Huntington National Bank	124	$54.5M
Wells Fargo Bank	106	$30.9M
U.S. Bank	74	$22.1M
First Internet Bank of Indiana	7	$14.7M
JPMorgan Chase Bank	82	$14.4M
Columbia Bank	28	$11.7M
TD Bank	47	$9.9M
United Community Bank	16	$9.9M
Happen Bank	11	$9.5M
Customers Bank	12	$8.4M

Geography

Where these loans were made

State	Loans	Share
California	158
Florida	120
Texas	87
New York	72
Ohio	66
Michigan	56
Pennsylvania	56
Colorado	52

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
23%
$50K - $150K
27%
$150K - $350K
21%
$350K - $1M
21%
$1M - $2M
7%
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 pet and pet supplies stores business?: The median SBA approval in NAICS 453910 is $150,000, with the middle 80% of loans between $20,000 and $933,000. Across all industries the median is $180,000.
Which lenders are most active in pet and pet supplies stores?: By dollars approved: The Huntington National Bank, Wells Fargo Bank, U.S. Bank, First Internet Bank of Indiana, JPMorgan Chase 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 pet and pet supplies stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.2% 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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