How much do SBA lenders typically lend to a fuel dealers business?

The median SBA approval in NAICS 454310 is $129,500, with the middle 80% of loans between $22,500 and $900,000. Across all industries the median is $180,000.

Which lenders are most active in fuel dealers?

By dollars approved: Newtek Small Business Finance, Inc., Beacon Bank and Trust, Empire State Bank, Wilmington Savings Fund Society, The Huntington National 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 fuel dealers considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 1.5% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 454310 · Retail

SBA loans for fuel dealers

376 SBA loans worth $126.5M have been approved in this industry since FY2010 - the #400 most-financed NAICS code in the country.

Median loan

$129,500

-28% vs all industries

Typical range

$23K-$900K

Middle 80%

Median rate

5.56%

7(a) initial note rate

Median term

10 yr

Charge-off rate

1.5%

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
Newtek Small Business Finance, Inc.	5	$10.7M
Beacon Bank and Trust	18	$8.6M
Empire State Bank	2	$6.1M
Wilmington Savings Fund Society	6	$5.1M
The Huntington National Bank	10	$4.6M
Thomasville National Bank	1	$3.8M
CCFBank	1	$3.6M
Granite State Economic Development Corporation	7	$3.6M
WBD, Inc.	3	$3.5M
PNC Bank	4	$3.3M

Geography

Where these loans were made

State	Loans	Share
Massachusetts	63
New York	37
Pennsylvania	27
Connecticut	27
New Hampshire	22
Vermont	20
Maine	17
Ohio	16

Approvals by fiscal year

’10

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’25

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
23%
$50K - $150K
30%
$150K - $350K
24%
$350K - $1M
16%
$1M - $2M
4%
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 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 fuel dealers business?: The median SBA approval in NAICS 454310 is $129,500, with the middle 80% of loans between $22,500 and $900,000. Across all industries the median is $180,000.
Which lenders are most active in fuel dealers?: By dollars approved: Newtek Small Business Finance, Inc., Beacon Bank and Trust, Empire State Bank, Wilmington Savings Fund Society, The Huntington National 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 fuel dealers considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 1.5% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

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