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.

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
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

Approvals by fiscal year

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
19%
$50K - $150K
25%
$150K - $350K
23%
$350K - $1M
25%
$1M - $2M
6%
Over $2M
2%

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 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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