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.

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
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

Geography

Where these loans were made

State	Loans	Share
California	416
Texas	340
Ohio	296
New York	220
Michigan	191
Florida	187
Minnesota	155
Wisconsin	149

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
29%
$50K - $150K
26%
$150K - $350K
23%
$350K - $1M
16%
$1M - $2M
4%
Over $2M
2%

Nearby

Other retail industries

See the sector

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 Gift, Novelty, and Souvenir Stores1,534 · $75,000

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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