How much do SBA lenders typically lend to a used merchandise retailers business?

The median SBA approval in NAICS 459510 is $150,000, with the middle 80% of loans between $21,000 and $859,000. Across all industries the median is $180,000.

Which lenders are most active in used merchandise retailers?

By dollars approved: Citizens Bank, Wells Fargo Bank, First Bank of the Lake, First Internet Bank of Indiana, KeyBank. 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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NAICS 459510 · Retail

SBA loans for used merchandise retailers

468 SBA loans worth $163.3M have been approved in this industry since FY2010 - the #350 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$21K-$859K

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
Citizens Bank	20	$10.0M
Wells Fargo Bank	18	$7.5M
First Bank of the Lake	14	$6.5M
First Internet Bank of Indiana	4	$6.3M
KeyBank	16	$6.2M
The Huntington National Bank	49	$5.8M
Live Oak Banking Company	6	$5.3M
BMO Bank	1	$5.0M
U.S. Bank	22	$4.9M
Newtek Bank	22	$4.7M

Geography

Where these loans were made

State	Loans	Share
California	44
Texas	38
New York	31
Florida	26
Michigan	26
Ohio	20
North Carolina	19
Pennsylvania	18

An SBA 7(a) lender for loans this size

65% of the SBA loans approved in used merchandise 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 SmartBiz

We 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

’15

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
22%
$50K - $150K
23%
$150K - $350K
20%
$350K - $1M
28%
$1M - $2M
6%
Over $2M
1%

Franchise brands in Used Merchandise Retailers

Franchise brand	Loans	Approved
Uptown Cheapskate	27	$17.3M
Once Upon A Child	23	$8.2M
Plato's Closet	18	$9.3M
Kid to Kid	16	$7.6M
Play It Again Sports	7	$1.7M
Bricks & Minifigs	5	$812K
Clothes Mentor	2	$253K
The Junkluggers	2	$359K
Music Go Round	2	$1.4M
Style Encore	1	$208K

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

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 used merchandise retailers business?: The median SBA approval in NAICS 459510 is $150,000, with the middle 80% of loans between $21,000 and $859,000. Across all industries the median is $180,000.
Which lenders are most active in used merchandise retailers?: By dollars approved: Citizens Bank, Wells Fargo Bank, First Bank of the Lake, First Internet Bank of Indiana, KeyBank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.