Skip to content

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

NAICS sector 44

Retail Trade

91,542 SBA loans worth $50.11B across 119 industries in this sector.

Loans

91,542

Approved

$50.11B

Median loan

$250,000

Median term

10 yr

Charge-off rate

8.2%

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 119 industries

IndustryNAICSLoansMedian loanMedian rateCharge-offVolume
Gasoline Stations with Convenience Stores4471109,734$788,4005.75%3.9%
Beer, Wine, and Liquor Stores4453108,158$300,0006.00%4.7%
Supermarkets and Other Grocery Retailers4451107,314$350,0006.24%10.8%
Pharmacies and Drug Stores4461104,651$350,0006.00%5.9%
Convenience Stores4451204,629$179,1006.00%7.1%
Used Car Dealers4411204,422$227,7507.75%12.5%
All Other Miscellaneous Store Retailers4539984,300$107,4506.00%9.8%
Sporting Goods Stores4511103,679$121,0006.00%10.4%
Gasoline Stations with Convenience Stores4571102,813$1,292,2009.25%-
Automotive Parts and Accessories Stores4413102,779$181,1006.00%7.3%
Beer, Wine, and Liquor Retailers4453202,760$500,0009.50%-
All Other Specialty Food Stores4452992,624$150,0006.00%10.0%
Electronic Shopping and Mail-Order Houses4541102,417$100,0007.75%17.1%
Clothing and Clothing Accessories Retailers4581102,378$135,00010.50%-
Other Direct Selling Establishments4543902,300$150,0006.00%9.1%
Furniture Stores4421102,175$250,0006.00%9.8%
Other Building Material Dealers4441902,162$244,0006.00%5.5%
Electronic Shopping4541112,110$50,0007.30%11.9%
Women's Clothing Stores4481202,037$60,0006.50%13.0%
Hardware Stores4441302,000$301,9006.00%7.2%
Baked Goods Retailers4452911,914$201,7506.89%8.8%
Other Clothing Stores4481901,898$100,0006.25%9.7%
Jewelry Stores4483101,699$100,0006.25%8.3%
Cosmetics, Beauty Supplies, and Perfume Stores4461201,558$125,0006.25%11.8%
All Other Miscellaneous Retailers4599991,536$150,00010.50%-
Gift, Novelty, and Souvenir Stores4532201,534$75,0006.25%8.7%
Pet and Pet Supplies Stores4539101,421$150,0006.00%10.2%
All Other General Merchandise Retailers4552191,358$125,75010.50%-
New Car Dealers4411101,252$1,034,5006.00%5.5%
Floor Covering Stores4422101,224$228,0006.00%8.0%
Vending Machine Operators4542101,217$104,0006.00%7.8%
Nursery, Garden Center, and Farm Supply Stores4442201,209$150,0006.00%6.8%
Florists4531101,204$72,0006.00%8.3%
Pharmacies and Drug Retailers4561101,177$365,00010.00%-
All Other Home Furnishings Stores4422991,173$136,0006.00%8.4%
Used Merchandise Stores4533101,142$100,0006.00%8.9%
Tire Dealers4413201,131$273,0006.00%6.6%
Convenience Retailers4451311,113$252,6009.75%-
Sporting Goods Retailers4591101,076$162,50010.00%-
All Other Health and Personal Care Stores4461991,006$143,4506.00%14.1%
Electronics Stores443142997$100,0006.50%19.9%
Meat Markets445210996$161,6506.00%11.1%
Hobby, Toy, and Game Stores451120954$75,0006.35%10.3%
Food (Health) Supplement Stores446191933$110,7006.00%12.8%
Automotive Parts and Accessories Retailers441330925$250,00010.25%-
All Other General Merchandise Stores452990843$80,0006.00%9.4%
Clothing Accessories Stores448150834$55,0006.32%11.1%
Family Clothing Stores448140802$70,0006.49%11.8%
Shoe Stores448210791$125,0006.00%12.8%
Cosmetics, Beauty Supplies, and Perfume Retailers456120785$150,00010.50%-
All Other Specialty Food Retailers445298761$236,00010.00%-
Motorcycle, ATV, and All Other Motor Vehicle Dealers441228740$436,0005.95%9.0%
Tobacco Stores453991699$61,3006.25%9.5%
Hobby, Toy, and Game Retailers459120699$150,00010.25%-
Boat Dealers441222674$350,0006.00%3.9%
Recreational Vehicle Dealers441210657$367,0006.00%5.6%
Musical Instrument and Supplies Stores451140653$126,0006.00%6.2%
Furniture Retailers449110642$300,00010.25%-
Vending Machine Operators445132628$140,00010.25%-
Other Building Material Dealers444180627$433,0009.75%-
Jewelry Retailers458310589$150,00010.50%-
Confectionery and Nut Retailers445292582$140,0006.75%9.8%
Office Supplies and Stationery Stores453210575$146,0006.00%9.3%
Electronics and Appliance Retailers449210574$200,00010.25%-
Hardware Retailers444140568$477,6509.00%-
Pet and Pet Supplies Retailers459910555$248,80010.00%-
Gift, Novelty, and Souvenir Retailers459420544$102,75010.25%-
Florists459310526$140,0009.99%-
Children's and Infants' Clothing Stores448130494$74,3506.25%9.5%
Optical Goods Stores446130492$150,0006.05%7.2%
Fruit and Vegetable Retailers445230487$150,0006.25%12.6%
Used Merchandise Retailers459510468$150,00010.25%-
Art Dealers453920439$100,0006.50%5.3%
Men's Clothing Stores448110433$100,0006.25%9.9%
All Other Home Furnishings Retailers449129425$165,00010.25%-
Window Treatment Stores442291419$150,0006.25%8.5%
Sewing, Needlework, and Piece Goods Stores451130418$68,4006.25%7.3%
Outdoor Power Equipment Stores444210406$171,0006.00%7.3%
Fuel Dealers454310376$129,5005.56%1.5%
All Other Health and Personal Care Retailers456199371$150,00010.25%-
Book Stores451211370$61,2506.25%11.3%
Home Centers444110369$350,0006.00%8.1%
Nursery, Garden Center, and Farm Supply Retailers444240368$249,0009.50%-
Radio, Television, and Other Electronics Stores443112346$83,4006.00%13.7%
Floor Covering Retailers449121345$294,40010.25%-
Household Appliance Stores443141344$168,4006.00%8.1%
Food (Health) Supplement Retailers456191331$150,00010.50%-
Tire Dealers441340325$300,0009.94%-
Motorcycle, ATV, and All Other Motor Vehicle Dealers441227322$350,5009.88%-
Paint and Wallpaper Retailers444120297$150,0006.75%7.9%
Meat Retailers445240294$300,00010.00%-
Window Treatment Retailers449122293$176,00010.25%-
All Other General Merchandise Stores452319281$100,0006.50%12.2%
Other Gasoline Stations447190280$211,5006.00%5.1%
Computer and Software Stores443120263$100,0006.01%9.9%
Book Retailers and News Dealers459210254$100,00010.25%-
Shoe Retailers458210248$200,00010.25%-
Tobacco, Electronic Cigarette, and Other Smoking Supplies Retailers459991238$150,00010.25%-
Fish and Seafood Markets445220230$100,0006.50%4.7%
Motorcycle, ATV, and Personal Watercraft Dealers441221210$227,0006.00%6.2%
Household Appliance Stores443111199$106,0006.00%10.6%
All Other Motor Vehicle Dealers441229181$348,0006.00%7.0%
Musical Instrument and Supplies Retailers459140180$150,00010.00%-
Outdoor Power Equipment Retailers444230170$350,0009.75%-
Sewing, Needlework, and Piece Goods Retailers459130162$120,00010.00%-
Art Dealers459920153$150,00010.75%-
Heating Oil Dealers454311144$122,5005.98%10.3%
Mail-Order Houses454113120$111,2506.25%10.4%
Department Stores452111116$25,0007.50%13.1%
Department Stores455110112$177,50010.75%-
Optical Goods Retailers456130107$150,00010.00%-
Office Supplies and Stationery Retailers459410105$266,0009.75%-
Fuel Dealers45721097$210,0009.75%-
Electronic Auctions45411284$56,5006.50%16.1%
Luggage and Leather Goods Stores44832082$50,0006.50%10.5%
Fish and Seafood Retailers44525082$250,00010.25%-
Other Gasoline Stations45712078$505,0009.75%-
Manufactured (Mobile) Home Dealers45393053$110,0006.00%10.5%
Discount Department Stores45211251$42,2006.56%12.8%

Lenders

Most active in this sector

LenderLoansApprovedShare
Live Oak Banking Company1,550$2.08B
Wells Fargo Bank4,679$1.44B
Metro City Bank1,000$1.43B
The Huntington National Bank5,133$1.40B
Bank of Hope2,132$1.24B
Celtic Bank Corporation1,306$1.05B
Hanmi Bank1,199$984.6M
U.S. Bank2,778$958.1M
Commonwealth Business Bank1,093$932.0M
Byline Bank816$863.0M

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.

We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.