How much do SBA lenders typically lend to a electronic shopping and mail-order houses business?

The median SBA approval in NAICS 454110 is $100,000, with the middle 80% of loans between $9,000 and $1,031,000. Across all industries the median is $180,000.

Which lenders are most active in electronic shopping and mail-order houses?

By dollars approved: FinWise Bank, JPMorgan Chase Bank, BayFirst National Bank, Trenton Business Assistance Corporation, Wells Fargo 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 electronic shopping and mail-order houses considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 17.1% 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 454110 · Retail

SBA loans for electronic shopping and mail-order houses

2,417 SBA loans worth $956.1M have been approved in this industry since FY2010 - the #97 most-financed NAICS code in the country.

Median loan

$100,000

-44% vs all industries

Typical range

$9K-$1.0M

Middle 80%

Median rate

7.75%

7(a) initial note rate

Median term

10 yr

Charge-off rate

17.1%

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
FinWise Bank	56	$81.5M
JPMorgan Chase Bank	234	$45.3M
BayFirst National Bank	67	$28.4M
Trenton Business Assistance Corporation	12	$28.4M
Wells Fargo Bank	582	$28.3M
Empire State Certified Development Corporation	21	$26.5M
Columbia Bank	26	$25.7M
Newtek Small Business Finance, Inc.	63	$20.4M
CDC Small Business Finance Corp.	28	$19.7M
The Huntington National Bank	85	$18.6M

Geography

Where these loans were made

State	Loans	Share
California	408
New York	351
Florida	233
Texas	164
New Jersey	160
Utah	72
Pennsylvania	71
Georgia	61

Approvals by fiscal year

’14

’17

’18

’19

’20

’21

’22

’23

’24

’25

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
37%
$50K - $150K
18%
$150K - $350K
15%
$350K - $1M
18%
$1M - $2M
7%
Over $2M
4%

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 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 electronic shopping and mail-order houses business?: The median SBA approval in NAICS 454110 is $100,000, with the middle 80% of loans between $9,000 and $1,031,000. Across all industries the median is $180,000.
Which lenders are most active in electronic shopping and mail-order houses?: By dollars approved: FinWise Bank, JPMorgan Chase Bank, BayFirst National Bank, Trenton Business Assistance Corporation, Wells Fargo 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 electronic shopping and mail-order houses considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 17.1% 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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