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NAICS 459991 · Retail
SBA loans for tobacco, electronic cigarette, and other smoking supplies retailers
238 SBA loans worth $83.5M have been approved in this industry since FY2010 - the #498 most-financed NAICS code in the country.
Median loan
$150,000
-17% vs all industries
Typical range
$25K-$842K
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 |
|---|---|---|---|
| Financial Resources Federal Credit Union | 8 | $7.1M | |
| Newtek Bank | 12 | $5.0M | |
| Customers Bank | 2 | $3.8M | |
| First State Bank | 1 | $3.6M | |
| Celtic Bank Corporation | 6 | $3.5M | |
| Commonwealth Business Bank | 7 | $2.8M | |
| Harvest Small Business Finance, LLC | 5 | $2.6M | |
| MidFirst Bank | 1 | $2.4M | |
| Byline Bank | 3 | $2.1M | |
| The Huntington National Bank | 14 | $2.0M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 28 | |
| Pennsylvania | 23 | |
| Washington | 22 | |
| Florida | 19 | |
| Ohio | 17 | |
| Texas | 13 | |
| New Jersey | 10 | |
| Michigan | 10 |
An SBA 7(a) lender for loans this size
67% of the SBA loans approved in tobacco, electronic cigarette, and other smoking supplies 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 $50K19%
- $50K - $150K25%
- $150K - $350K23%
- $350K - $1M25%
- $1M - $2M6%
- Over $2M2%
Franchise brands in Tobacco, Electronic Cigarette, and Other Smoking Supplies Retailers
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Checkers | 1 | $3.0M |
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 tobacco, electronic cigarette, and other smoking supplies retailers business?
- The median SBA approval in NAICS 459991 is $150,000, with the middle 80% of loans between $25,000 and $841,500. Across all industries the median is $180,000.
- Which lenders are most active in tobacco, electronic cigarette, and other smoking supplies retailers?
- By dollars approved: Financial Resources Federal Credit Union, Newtek Bank, Customers Bank, First State Bank, Celtic Bank Corporation. 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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