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NAICS 453998 · Retail
SBA loans for all other miscellaneous store retailers
4,300 SBA loans worth $1.18B have been approved in this industry since FY2010 - the #55 most-financed NAICS code in the country.
Median loan
$107,450
-40% vs all industries
Typical range
$15K-$663K
Middle 80%
Median rate
6.00%
7(a) initial note rate
Median term
9.6 yr
Charge-off rate
9.8%
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 | Share |
|---|---|---|---|
| Wells Fargo Bank | 426 | $102.7M | |
| The Huntington National Bank | 402 | $62.3M | |
| U.S. Bank | 224 | $29.3M | |
| JPMorgan Chase Bank | 138 | $27.3M | |
| Live Oak Banking Company | 16 | $23.6M | |
| FinWise Bank | 8 | $20.6M | |
| CDC Small Business Finance Corp. | 31 | $19.5M | |
| Enterprise Bank & Trust | 19 | $17.5M | |
| Celtic Bank Corporation | 63 | $16.0M | |
| Fifth Third Bank | 31 | $15.9M |
An SBA 7(a) lender for loans this size
78% of the SBA loans approved in all other miscellaneous store retailers 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 $50K29%
- $50K - $150K26%
- $150K - $350K23%
- $350K - $1M16%
- $1M - $2M4%
- Over $2M2%
Franchise brands in All Other Miscellaneous Store Retailers
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| The UPS Store | 86 | $16.3M | |
| Batteries Plus | 33 | $11.0M | |
| Batteries Plus Bulbs | 30 | $8.1M | |
| Fastsigns | 21 | $5.3M | |
| Edible Arrangements | 20 | $3.5M | |
| Crown Trophy | 12 | $3.3M | |
| Wild Birds Unlimited | 8 | $2.3M | |
| Cartridge World | 7 | $622K | |
| Wireless Zone | 7 | $2.2M | |
| Woodcraft | 6 | $2.4M |
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 all other miscellaneous store retailers business?
- The median SBA approval in NAICS 453998 is $107,450, with the middle 80% of loans between $15,000 and $663,000. Across all industries the median is $180,000.
- Which lenders are most active in all other miscellaneous store retailers?
- By dollars approved: Wells Fargo Bank, The Huntington National Bank, U.S. Bank, JPMorgan Chase Bank, Live Oak Banking Company. 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 miscellaneous store retailers considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.8% 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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