NAICS 459999 · Retail
SBA loans for all other miscellaneous retailers
1,536 SBA loans worth $607.3M have been approved in this industry since FY2010 - the #146 most-financed NAICS code in the country.
Median loan
$150,000
-17% vs all industries
Typical range
$20K-$1.0M
Middle 80%
Median rate
10.50%
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 |
|---|---|---|---|
| FinWise Bank | 23 | $32.3M | |
| The Huntington National Bank | 158 | $31.3M | |
| Live Oak Banking Company | 23 | $23.9M | |
| Newtek Bank | 66 | $22.1M | |
| JPMorgan Chase Bank | 99 | $18.1M | |
| Readycap Lending, LLC | 51 | $17.5M | |
| First Internet Bank of Indiana | 11 | $15.3M | |
| Northeast Bank | 97 | $14.0M | |
| U.S. Bank | 40 | $12.3M | |
| Bank of America | 23 | $12.2M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 171 | |
| New York | 157 | |
| Florida | 144 | |
| Texas | 96 | |
| Ohio | 71 | |
| Michigan | 67 | |
| New Jersey | 61 | |
| Colorado | 51 |
Approvals by fiscal year
’12
’18
’21
’22
’23
’24
’25
’26
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K23%
- $50K - $150K24%
- $150K - $350K25%
- $350K - $1M18%
- $1M - $2M6%
- Over $2M4%
Nearby
Other retail industries
All Other Miscellaneous Store Retailers4,300 · $107,450Sporting Goods Stores3,679 · $121,000Gasoline Stations with Convenience Stores2,813 · $1,292,200Electronic Shopping and Mail-Order Houses2,417 · $100,000Clothing and Clothing Accessories Retailers2,378 · $135,000Other Direct Selling Establishments2,300 · $150,000Electronic Shopping2,110 · $50,000Gift, Novelty, and Souvenir Stores1,534 · $75,000
Common questions
- How much do SBA lenders typically lend to a all other miscellaneous retailers business?
- The median SBA approval in NAICS 459999 is $150,000, with the middle 80% of loans between $20,000 and $1,000,000. Across all industries the median is $180,000.
- Which lenders are most active in all other miscellaneous retailers?
- By dollars approved: FinWise Bank, The Huntington National Bank, Live Oak Banking Company, Newtek Bank, JPMorgan Chase 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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