How much do SBA lenders typically lend to a department stores business?

The median SBA approval in NAICS 455110 is $177,500, with the middle 80% of loans between $30,000 and $1,276,000. Across all industries the median is $180,000.

Which lenders are most active in department stores?

By dollars approved: Trenton Business Assistance Corporation, CDC Small Business Finance Corp., Mortgage Capital Development Corporation, Cross River Bank, U.S. 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.

NAICS 455110 · Retail

SBA loans for department stores

112 SBA loans worth $57.3M have been approved in this industry since FY2010 - the #663 most-financed NAICS code in the country.

Median loan

$177,500

-1% vs all industries

Typical range

$30K-$1.3M

Middle 80%

Median rate

10.75%

7(a) initial note rate

Median term

10 yr

Charge-off rate

Cohort too small

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
Trenton Business Assistance Corporation	6	$16.3M
CDC Small Business Finance Corp.	3	$2.8M
Mortgage Capital Development Corporation	3	$2.6M
Cross River Bank	1	$2.5M
U.S. Bank	8	$2.3M
Ally Dakota Development, Inc.	1	$2.2M
Northwest Business Development Association	1	$2.0M
Heartland Business Capital, Inc.	1	$1.9M
B:Side Capital	1	$1.7M
Sunshine State Economic Development Corporation	2	$1.7M

Geography

Where these loans were made

State	Loans	Share
California	15
New York	14
Florida	13
New Jersey	7
Ohio	5
Colorado	4
Pennsylvania	4
North Carolina	4

Approvals by fiscal year

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
18%
$50K - $150K
21%
$150K - $350K
25%
$350K - $1M
21%
$1M - $2M
9%
Over $2M
6%

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 department stores business?: The median SBA approval in NAICS 455110 is $177,500, with the middle 80% of loans between $30,000 and $1,276,000. Across all industries the median is $180,000.
Which lenders are most active in department stores?: By dollars approved: Trenton Business Assistance Corporation, CDC Small Business Finance Corp., Mortgage Capital Development Corporation, Cross River Bank, U.S. 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.

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