How much do SBA lenders typically lend to a clothing and clothing accessories retailers business?

The median SBA approval in NAICS 458110 is $135,000, with the middle 80% of loans between $24,000 and $700,000. Across all industries the median is $180,000.

Which lenders are most active in clothing and clothing accessories retailers?

By dollars approved: Newtek Bank, The Huntington National Bank, First Internet Bank of Indiana, Wells Fargo Bank, Readycap Lending, LLC. 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 458110 · Retail

SBA loans for clothing and clothing accessories retailers

2,378 SBA loans worth $720.7M have been approved in this industry since FY2010 - the #98 most-financed NAICS code in the country.

Median loan

$135,000

-25% vs all industries

Typical range

$24K-$700K

Middle 80%

Median rate

10.50%

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
Newtek Bank	149	$43.7M
The Huntington National Bank	223	$38.8M
First Internet Bank of Indiana	16	$25.1M
Wells Fargo Bank	104	$24.7M
Readycap Lending, LLC	122	$24.1M
Northeast Bank	158	$21.3M
FinWise Bank	13	$16.8M
Florida First Capital Finance Corporation, Inc.	16	$16.7M
BayFirst National Bank	105	$14.6M
Pinnacle Bank	12	$14.0M

Geography

Where these loans were made

State	Loans	Share
California	282
New York	249
Texas	175
Florida	150
Ohio	100
New Jersey	100
Michigan	86
Minnesota	80

Approvals by fiscal year

’17

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
24%
$50K - $150K
28%
$150K - $350K
24%
$350K - $1M
17%
$1M - $2M
4%
Over $2M
2%

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 Other Direct Selling Establishments2,300 · $150,000 Electronic Shopping2,110 · $50,000 All Other Miscellaneous Retailers1,536 · $150,000 Gift, Novelty, and Souvenir Stores1,534 · $75,000

Common questions

How much do SBA lenders typically lend to a clothing and clothing accessories retailers business?: The median SBA approval in NAICS 458110 is $135,000, with the middle 80% of loans between $24,000 and $700,000. Across all industries the median is $180,000.
Which lenders are most active in clothing and clothing accessories retailers?: By dollars approved: Newtek Bank, The Huntington National Bank, First Internet Bank of Indiana, Wells Fargo Bank, Readycap Lending, LLC. 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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