How much do SBA lenders typically lend to a optical goods retailers business?

The median SBA approval in NAICS 456130 is $150,000, with the middle 80% of loans between $25,000 and $670,000. Across all industries the median is $180,000.

Which lenders are most active in optical goods retailers?

By dollars approved: First Merchants Bank, Old National Bank, Live Oak Banking Company, Fulton Bank, Colony 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 456130 · Retail

SBA loans for optical goods retailers

107 SBA loans worth $45.0M have been approved in this industry since FY2010 - the #675 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$25K-$670K

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
First Merchants Bank	2	$5.2M
Old National Bank	2	$5.0M
Live Oak Banking Company	5	$3.8M
Fulton Bank	1	$3.4M
Colony Bank	1	$3.1M
Ocean Bank	1	$2.8M
Seacoast National Bank	3	$1.9M
Trenton Business Assistance Corporation	1	$1.3M
First Bank of the Lake	3	$1.2M
The Bancorp Bank	2	$1.2M

Geography

Where these loans were made

State	Loans	Share
California	20
Florida	15
New Jersey	11
New York	9
Texas	7
Ohio	5
Indiana	4
Michigan	4

Approvals by fiscal year

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
17%
$50K - $150K
32%
$150K - $350K
21%
$350K - $1M
21%
$1M - $2M
2%
Over $2M
7%

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 optical goods retailers business?: The median SBA approval in NAICS 456130 is $150,000, with the middle 80% of loans between $25,000 and $670,000. Across all industries the median is $180,000.
Which lenders are most active in optical goods retailers?: By dollars approved: First Merchants Bank, Old National Bank, Live Oak Banking Company, Fulton Bank, Colony 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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