How much do SBA lenders typically lend to a consumer electronics and appliances rental business?

The median SBA approval in NAICS 532210 is $222,500, with the middle 80% of loans between $25,000 and $1,179,000. Across all industries the median is $180,000.

Which lenders are most active in consumer electronics and appliances rental?

By dollars approved: BayFirst National Bank, Wells Fargo Bank, JPMorgan Chase Bank, Old National Bank, FinWise 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.

Is consumer electronics and appliances rental considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 12.9% were charged off, versus 7.6% across all SBA lending. That is materially above average, which in practice tends to mean tighter underwriting, more collateral, or a larger equity injection.

NAICS 532210 · Real Estate

SBA loans for consumer electronics and appliances rental

284 SBA loans worth $138.0M have been approved in this industry since FY2010 - the #461 most-financed NAICS code in the country.

Median loan

$222,500

+24% vs all industries

Typical range

$25K-$1.2M

Middle 80%

Median rate

6.25%

7(a) initial note rate

Median term

10 yr

Charge-off rate

12.9%

vs 7.6% all industries

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
BayFirst National Bank	5	$7.3M
Wells Fargo Bank	20	$7.2M
JPMorgan Chase Bank	16	$6.4M
Old National Bank	4	$5.6M
FinWise Bank	4	$5.4M
First Internet Bank of Indiana	1	$5.0M
TowneBank	5	$4.7M
Mountain West Small Business Finance	9	$4.4M
Newtek Small Business Finance, Inc.	3	$4.3M
Banesco USA	2	$4.2M

Geography

Where these loans were made

State	Loans	Share
California	34
Illinois	23
Florida	19
Texas	19
New York	18
Pennsylvania	17
Utah	11
Arizona	10

Approvals by fiscal year

’10

’11

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
16%
$50K - $150K
20%
$150K - $350K
21%
$350K - $1M
31%
$1M - $2M
7%
Over $2M
5%

Nearby

Other real estate industries

See the sector

Offices of Real Estate Agents and Brokers4,900 · $100,000 Lessors of Miniwarehouses and Self-Storage Units3,561 · $839,000 Lessors of Nonresidential Buildings3,432 · $515,000 Residential Property Managers2,560 · $150,000 Other Activities Related to Real Estate2,207 · $200,000 Other Commercial and Industrial Machinery and Equipment Rental and Leasing1,472 · $282,500 Nonresidential Property Managers705 · $221,000 General Rental Centers690 · $270,000

Common questions

How much do SBA lenders typically lend to a consumer electronics and appliances rental business?: The median SBA approval in NAICS 532210 is $222,500, with the middle 80% of loans between $25,000 and $1,179,000. Across all industries the median is $180,000.
Which lenders are most active in consumer electronics and appliances rental?: By dollars approved: BayFirst National Bank, Wells Fargo Bank, JPMorgan Chase Bank, Old National Bank, FinWise 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.
Is consumer electronics and appliances rental considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 12.9% were charged off, versus 7.6% across all SBA lending. That is materially above average, which in practice tends to mean tighter underwriting, more collateral, or a larger equity injection.

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