How much do SBA lenders typically lend to a pharmacies and drug retailers business?

The median SBA approval in NAICS 456110 is $365,000, with the middle 80% of loans between $60,000 and $1,872,000. Across all industries the median is $180,000.

Which lenders are most active in pharmacies and drug retailers?

By dollars approved: Live Oak Banking Company, First Financial Bank, Byline Bank, U.S. Bank, Newtek 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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NAICS 456110 · Retail

SBA loans for pharmacies and drug retailers

1,177 SBA loans worth $833.2M have been approved in this industry since FY2010 - the #178 most-financed NAICS code in the country.

Median loan

$365,000

+103% vs all industries

Typical range

$60K-$1.9M

Middle 80%

Median rate

10.00%

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
Live Oak Banking Company	92	$149.0M
First Financial Bank	107	$136.9M
Byline Bank	117	$102.2M
U.S. Bank	30	$23.5M
Newtek Bank	31	$22.7M
The Huntington National Bank	61	$21.6M
Bank of America	30	$15.8M
BayFirst National Bank	55	$9.3M
United Community Bank	18	$8.8M
Northeast Bank	30	$8.7M

Geography

Where these loans were made

State	Loans	Share
California	163
New York	111
Texas	81
Puerto Rico	72
Florida	65
Michigan	64
Ohio	55
New Jersey	46

An SBA 7(a) lender for loans this size

46% of the SBA loans approved in pharmacies and drug retailers since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.

Check options with SmartBiz

We may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.

Approvals by fiscal year

’21

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
5%
$50K - $150K
15%
$150K - $350K
26%
$350K - $1M
31%
$1M - $2M
15%
Over $2M
8%

Franchise brands in Pharmacies and Drug Retailers

Franchise brand	Loans	Approved
Vital Care	39	$43.2M
Health Mart Pharmacy	12	$6.9M
The Medicine Shoppe	8	$4.8M
Good Neighbor Pharmacy	6	$7.9M
986 Pharmacy	1	$850K

Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.

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 pharmacies and drug retailers business?: The median SBA approval in NAICS 456110 is $365,000, with the middle 80% of loans between $60,000 and $1,872,000. Across all industries the median is $180,000.
Which lenders are most active in pharmacies and drug retailers?: By dollars approved: Live Oak Banking Company, First Financial Bank, Byline Bank, U.S. Bank, Newtek 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.

We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.