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.

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
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

Approvals by fiscal year

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
23%
$50K - $150K
34%
$150K - $350K
21%
$350K - $1M
15%
$1M - $2M
5%
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 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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