NAICS 454390 · Retail
SBA loans for other direct selling establishments
2,300 SBA loans worth $877.1M have been approved in this industry since FY2010 - the #102 most-financed NAICS code in the country.
Median loan
$150,000
-17% vs all industries
Typical range
$25K-$992K
Middle 80%
Median rate
6.00%
7(a) initial note rate
Median term
10 yr
Charge-off rate
9.1%
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 | Share |
|---|---|---|---|
| Wells Fargo Bank | 171 | $52.6M | |
| U.S. Bank | 108 | $32.8M | |
| The Huntington National Bank | 104 | $25.9M | |
| Truist Bank | 73 | $23.5M | |
| BMO Bank | 23 | $23.0M | |
| Live Oak Banking Company | 12 | $22.7M | |
| CDC Small Business Finance Corp. | 40 | $22.2M | |
| JPMorgan Chase Bank | 93 | $20.4M | |
| Newtek Small Business Finance, Inc. | 27 | $19.4M | |
| Trenton Business Assistance Corporation | 11 | $16.6M |
Approvals by fiscal year
’10
’11
’12
’13
’14
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’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
’26
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K19%
- $50K - $150K25%
- $150K - $350K25%
- $350K - $1M21%
- $1M - $2M6%
- Over $2M3%
Nearby
Other retail industries
All Other Miscellaneous Store Retailers4,300 · $107,450Sporting Goods Stores3,679 · $121,000Gasoline Stations with Convenience Stores2,813 · $1,292,200Electronic Shopping and Mail-Order Houses2,417 · $100,000Clothing and Clothing Accessories Retailers2,378 · $135,000Electronic Shopping2,110 · $50,000All Other Miscellaneous Retailers1,536 · $150,000Gift, Novelty, and Souvenir Stores1,534 · $75,000
Common questions
- How much do SBA lenders typically lend to a other direct selling establishments business?
- The median SBA approval in NAICS 454390 is $150,000, with the middle 80% of loans between $25,000 and $991,500. Across all industries the median is $180,000.
- Which lenders are most active in other direct selling establishments?
- By dollars approved: Wells Fargo Bank, U.S. Bank, The Huntington National Bank, Truist Bank, BMO 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 other direct selling establishments considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.1% were charged off, versus 7.6% across all SBA lending. That is close to average.
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