How much do SBA lenders typically lend to a musical instrument and supplies retailers business?

The median SBA approval in NAICS 459140 is $150,000, with the middle 80% of loans between $20,000 and $930,000. Across all industries the median is $180,000.

Which lenders are most active in musical instrument and supplies retailers?

By dollars approved: The Huntington National Bank, Lake Michigan CU, Valley National Bank, Arlo Bank, EverBank. 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 459140 · Retail

SBA loans for musical instrument and supplies retailers

180 SBA loans worth $71.5M have been approved in this industry since FY2010 - the #569 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$20K-$930K

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
The Huntington National Bank	21	$6.3M
Lake Michigan CU	1	$5.0M
Valley National Bank	1	$4.4M
Arlo Bank	1	$4.3M
EverBank	1	$3.7M
Indiana Statewide Certified Development Corporation	1	$3.6M
Old National Bank	3	$1.9M
U.S. Bank	16	$1.9M
Regions Bank	2	$1.8M
LiftFund, Inc.	1	$1.7M

Geography

Where these loans were made

State	Loans	Share
California	17
Ohio	13
New York	11
Missouri	11
Michigan	9
Tennessee	9
Utah	8
Illinois	8

Approvals by fiscal year

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
26%
$50K - $150K
22%
$150K - $350K
22%
$350K - $1M
21%
$1M - $2M
6%
Over $2M
3%

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 musical instrument and supplies retailers business?: The median SBA approval in NAICS 459140 is $150,000, with the middle 80% of loans between $20,000 and $930,000. Across all industries the median is $180,000.
Which lenders are most active in musical instrument and supplies retailers?: By dollars approved: The Huntington National Bank, Lake Michigan CU, Valley National Bank, Arlo Bank, EverBank. 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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