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

The median SBA approval in NAICS 454113 is $111,250, with the middle 80% of loans between $10,000 and $1,007,000. Across all industries the median is $180,000.

Which lenders are most active in mail-order houses?

By dollars approved: CDC Small Business Finance Corp., Columbia Bank, Wells Fargo Bank, BMO Bank, KeyBank. 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 mail-order houses considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.4% 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 454113 · Retail

SBA loans for mail-order houses

120 SBA loans worth $39.0M have been approved in this industry since FY2010 - the #643 most-financed NAICS code in the country.

Median loan

$111,250

-38% vs all industries

Typical range

$10K-$1.0M

Middle 80%

Median rate

6.25%

7(a) initial note rate

Median term

7 yr

Charge-off rate

10.4%

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
CDC Small Business Finance Corp.	2	$4.9M
Columbia Bank	2	$4.7M
Wells Fargo Bank	37	$3.3M
BMO Bank	2	$3.1M
KeyBank	4	$2.0M
Arizona Capital Source	1	$1.9M
Commonwealth Business Bank	1	$1.5M
Granite State Economic Development Corporation	2	$1.4M
UMB Bank	1	$1.2M
Amplio Economic Development Corporation	1	$1.1M

Geography

Where these loans were made

State	Loans	Share
California	22
Minnesota	14
New York	10
Arizona	7
Florida	6
Utah	6
Ohio	4
New Jersey	4

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’19

’22

’23

’24

’25

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
38%
$50K - $150K
17%
$150K - $350K
20%
$350K - $1M
15%
$1M - $2M
8%
Over $2M
3%

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 mail-order houses business?: The median SBA approval in NAICS 454113 is $111,250, with the middle 80% of loans between $10,000 and $1,007,000. Across all industries the median is $180,000.
Which lenders are most active in mail-order houses?: By dollars approved: CDC Small Business Finance Corp., Columbia Bank, Wells Fargo Bank, BMO Bank, KeyBank. 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 mail-order houses considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.4% 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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