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NAICS 459420 · Retail
SBA loans for gift, novelty, and souvenir retailers
544 SBA loans worth $159.7M have been approved in this industry since FY2010 - the #321 most-financed NAICS code in the country.
Median loan
$102,750
-43% vs all industries
Typical range
$25K-$719K
Middle 80%
Median rate
10.25%
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 | Share |
|---|---|---|---|
| U.S. Bank | 26 | $10.9M | |
| Newtek Bank | 28 | $8.2M | |
| The Huntington National Bank | 46 | $7.2M | |
| California Statewide Certified Development Corporation | 3 | $5.6M | |
| Northeast Bank | 41 | $5.5M | |
| Glacier Bank | 1 | $5.0M | |
| Mortgage Capital Development Corporation | 5 | $4.3M | |
| Florida First Capital Finance Corporation, Inc. | 4 | $4.2M | |
| City National Bank | 2 | $4.2M | |
| First Bank of the Lake | 3 | $3.9M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 54 | |
| Texas | 36 | |
| New York | 35 | |
| Florida | 33 | |
| Massachusetts | 26 | |
| Ohio | 24 | |
| Michigan | 21 | |
| Pennsylvania | 19 |
An SBA 7(a) lender for loans this size
78% of the SBA loans approved in gift, novelty, and souvenir 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 SmartBizWe 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
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K23%
- $50K - $150K34%
- $150K - $350K21%
- $350K - $1M15%
- $1M - $2M5%
- Over $2M3%
Franchise brands in Gift, Novelty, and Souvenir Retailers
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Edible Arrangements | 5 | $2.7M | |
| Bricks & Minifigs | 3 | $511K | |
| Crown Trophy | 2 | $342K | |
| Magnolia Soap and Bath | 1 | $150K | |
| Color Me Mine | 1 | $280K |
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
Common questions
- How much do SBA lenders typically lend to a gift, novelty, and souvenir retailers business?
- The median SBA approval in NAICS 459420 is $102,750, with the middle 80% of loans between $25,000 and $718,700. Across all industries the median is $180,000.
- Which lenders are most active in gift, novelty, and souvenir retailers?
- By dollars approved: U.S. Bank, Newtek Bank, The Huntington National Bank, California Statewide Certified Development Corporation, Northeast 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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