How Much Can All Other General Merchandise Stores Businesses Get in SBA Loans?
4,265 SBA loans totaling $658.6M have been approved for all other general merchandise stores businesses (NAICS 452990). The average approved SBA loan is $154K, which is 55% below avg the $340K national average. 658 active lenders fund this industry with a 26.8% default rate on the matured 2018-2021 loan cohort.
At 26.8%, All Other General Merchandise Stores sits well above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — elevated default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 452990 (All Other General Merchandise Stores) received 4,265 SBA loans worth $658.6M across 5+ states. Average loan $154K, average term 104 months, 26.8% default rate (resolved-loan basis).658 active SBA-approved lenders fund this industry. Most all other general merchandise stores loans use the SBA 7(a) program.
Is SBA Lending Growing for All Other General Merchandise Stores?+100% growth
Which SBA Program Do All Other General Merchandise Stores Businesses Use Most?
What Is the Best SBA Loan for All Other General Merchandise Stores?
The most widely used SBA program for all other general merchandise stores businesses — flexible terms, multiple use cases
Where Are All Other General Merchandise Stores SBA Loans Most Common?
Top SBA Lenders for All Other General Merchandise Stores
These banks have funded the most SBA loans for all other general merchandise stores businesses (NAICS 452990). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 358 | $18.1M |
| 2 | Wells Fargo Bank National Association(SD) | 294 | $45.5M |
| 3 | Bank of Hope(CA) | 223 | $37.7M |
| 4 | Citizens Bank, National Association(RI) | 175 | $8.4M |
| 5 | U.S. Bank, National Association(OH) | 172 | $24.9M |
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How Does SBA Lending Work for All Other General Merchandise Stores Businesses?
Across all SBA loan programs, 4,265 loans have been approved for businesses classified under NAICS 452990 (All Other General Merchandise Stores), representing $658.6M in total capital deployed. The average approved loan of $154K is 55% below avg the national SBA average of $340K, with typical repayment terms of 104 months.
SBA lending for all other general merchandise stores is accelerating — loan volume has grown approximately 100% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2016.
The industry sees a balanced mix of SBA programs, with 5% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.
PeerSense specializes in matching all other general merchandise stores business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — All Other General Merchandise Stores SBA Loans
What is the average SBA loan size for all other general merchandise stores businesses?
Which SBA loan program is best for a all other general merchandise stores business?
How many lenders fund SBA loans for all other general merchandise stores?
What states have the most SBA lending for all other general merchandise stores?
How does PeerSense help all other general merchandise stores businesses get SBA loans?
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Vending Machine Operators
Data aggregated from SBA loan records (1992–2025). All Other General Merchandise Stores defined by NAICS code 452990. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.