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Independent research · Not a lender or broker · We never take applications|Disclosures

NAICS sector 42

Wholesale Trade

52,654 SBA loans worth $32.28B across 71 industries in this sector.

Loans

52,654

Approved

$32.28B

Median loan

$250,000

Median term

10 yr

Charge-off rate

8.3%

vs 7.6% all sectors

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.

Inside the sector

All 71 industries

IndustryNAICSLoansMedian loanMedian rateCharge-offVolume
Other Miscellaneous Durable Goods Merchant Wholesalers4239904,432$296,0006.25%6.9%
Other Miscellaneous Nondurable Goods Merchant Wholesalers4249903,598$270,0006.25%7.5%
Other Grocery and Related Products Merchant Wholesalers4244902,289$150,0007.00%9.7%
Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesalers4234501,953$150,0007.00%8.9%
Industrial Machinery and Equipment Merchant Wholesalers4238301,918$300,0006.25%4.7%
Sporting and Recreational Goods and Supplies Merchant Wholesalers4239101,706$191,7506.50%8.9%
Wholesale Trade Agents and Brokers4251201,547$180,0007.50%11.3%
Recyclable Material Merchant Wholesalers4239301,450$350,0006.00%7.9%
Women's, Children's, and Infants' Clothing and Accessories Merchant Wholesalers4243301,431$250,0006.00%12.6%
General Line Grocery Merchant Wholesalers4244101,368$340,0006.83%8.3%
Motor Vehicle Supplies and New Parts Merchant Wholesalers4231201,293$250,0006.50%7.2%
Electrical Apparatus and Equipment, Wiring Supplies, and Related Equipment Merchant Wholesalers4236101,293$343,0006.00%7.1%
Other Electronic Parts and Equipment Merchant Wholesalers4236901,071$250,0006.58%12.0%
Jewelry, Watch, Precious Stone, and Precious Metal Merchant Wholesalers4239401,037$150,0007.50%11.0%
Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers423310999$309,0006.30%8.0%
Industrial Supplies Merchant Wholesalers423840974$295,7506.50%5.4%
Automobile and Other Motor Vehicle Merchant Wholesalers423110939$325,0006.75%9.8%
Drugs and Druggists' Sundries Merchant Wholesalers424210910$154,7507.00%11.7%
Home Furnishing Merchant Wholesalers423220876$200,0006.75%11.1%
Furniture Merchant Wholesalers423210842$300,0006.68%8.0%
Wine and Distilled Alcoholic Beverage Merchant Wholesalers424820836$125,0007.25%7.9%
Piece Goods, Notions, and Other Dry Goods Merchant Wholesalers424310779$250,0006.25%9.3%
Toy and Hobby Goods and Supplies Merchant Wholesalers423920758$150,0007.25%7.1%
Meat and Meat Product Merchant Wholesalers424470753$346,0006.25%7.8%
Fresh Fruit and Vegetable Merchant Wholesalers424480752$250,0006.50%10.1%
Metal Service Centers and Other Metal Merchant Wholesalers423510710$375,2506.00%9.4%
Other Construction Material Merchant Wholesalers423390694$250,0006.25%8.2%
Other Commercial Equipment Merchant Wholesalers423440679$250,0006.50%7.8%
Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers424930654$200,0006.90%7.0%
Service Establishment Equipment and Supplies Merchant Wholesalers423850643$182,0006.50%6.0%
Fish and Seafood Merchant Wholesalers424460642$250,0006.50%9.7%
Brick, Stone, and Related Construction Material Merchant Wholesalers423320631$276,1006.44%5.8%
Hardware Merchant Wholesalers423710629$312,0006.50%6.4%
Other Chemical and Allied Products Merchant Wholesalers424690625$269,0006.00%3.7%
Computer and Computer Peripheral Equipment and Software Merchant Wholesalers423430609$180,0006.88%7.2%
Household Appliances, Electric Housewares, and Consumer Electronics Merchant Wholesalers423620585$162,0007.50%19.2%
Farm Supplies Merchant Wholesalers424910575$230,0006.25%6.2%
Clothing and Clothing Accessories Merchant Wholesalers424350540$200,00010.50%-
Transportation Equipment and Supplies (except Motor Vehicle) Merchant Wholesalers423860521$302,7006.50%8.3%
Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Wholesalers423720500$350,0006.13%5.2%
Construction and Mining (except Oil Well) Machinery and Equipment Merchant Wholesalers423810462$300,0006.00%6.0%
Farm and Garden Machinery and Equipment Merchant Wholesalers423820405$350,0006.00%3.5%
Men's and Boys' Clothing and Furnishings Merchant Wholesalers424320386$215,0006.00%11.9%
Warm Air Heating and Air-Conditioning Equipment and Supplies Merchant Wholesalers423730378$295,0006.25%6.7%
Packaged Frozen Food Merchant Wholesalers424420358$225,0006.50%12.2%
Other Professional Equipment and Supplies Merchant Wholesalers423490358$200,0006.73%8.5%
Office Equipment Merchant Wholesalers423420341$247,0006.00%6.5%
Petroleum and Petroleum Products Merchant Wholesalers424720339$350,0006.00%3.5%
Beer and Ale Merchant Wholesalers424810323$196,0006.25%6.9%
Industrial and Personal Service Paper Merchant Wholesalers424130319$250,0006.75%7.0%
Confectionery Merchant Wholesalers424450284$150,0007.25%5.4%
Stationery and Office Supplies Merchant Wholesalers424120274$150,0006.40%6.4%
Tobacco Product and Electronic Cigarette Merchant Wholesalers424940263$170,0007.00%8.5%
Motor Vehicle Parts (Used) Merchant Wholesalers423140258$211,5007.00%5.7%
Business to Business Electronic Markets425110248$150,0006.22%14.9%
Roofing, Siding, and Insulation Material Merchant Wholesalers423330229$250,0006.25%5.0%
Dairy Product (except Dried or Canned) Merchant Wholesalers424430229$153,5006.75%14.6%
Footwear Merchant Wholesalers424340221$300,0006.07%11.5%
Tire and Tube Merchant Wholesalers423130212$326,4006.25%11.0%
Plastics Materials and Basic Forms and Shapes Merchant Wholesalers424610211$300,0006.00%5.0%
Other Farm Product Raw Material Merchant Wholesalers424590204$225,0006.00%5.1%
Printing and Writing Paper Merchant Wholesalers424110189$327,0006.50%9.7%
Grain and Field Bean Merchant Wholesalers424510188$506,5005.75%3.8%
Paint, Varnish, and Supplies Merchant Wholesalers424950172$214,0006.95%4.3%
Book, Periodical, and Newspaper Merchant Wholesalers424920125$193,5006.60%9.2%
Refrigeration Equipment and Supplies Merchant Wholesalers423740119$204,7006.50%14.0%
Petroleum Bulk Stations and Terminals424710119$292,0006.00%0.0%
Poultry and Poultry Product Merchant Wholesalers424440105$350,0006.25%5.2%
Ophthalmic Goods Merchant Wholesalers423460103$150,0007.70%10.7%
Photographic Equipment and Supplies Merchant Wholesalers42341093$250,0006.25%0.0%
Livestock Merchant Wholesalers42452063$151,3006.25%7.9%

Lenders

Most active in this sector

LenderLoansApprovedShare
Wells Fargo Bank2,950$1.39B
The Huntington National Bank2,353$943.3M
JPMorgan Chase Bank3,465$845.0M
Business Finance Capital535$835.1M
CDC Small Business Finance Corp.757$752.2M
U.S. Bank1,960$720.7M
Mortgage Capital Development Corporation480$616.2M
Empire State Certified Development Corporation405$593.8M
Bank of Hope956$588.4M
TD Bank2,467$522.1M

Approvals by fiscal year

’10
’11
’12
’13
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
’26

Gross approval dollars. Final bar is a partial fiscal year.

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