Which SBA program is best for All Other General Merchandise Stores?

The SBA 7(a) program is the most commonly used for All Other General Merchandise Stores businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 452990Retail TradeLending Growing

How Much Can All Other General Merchandise Stores Businesses Get in SBA Loans?

Name: PeerSense
Address: Westfield, Westfield, IN, 46074, US
Telephone: +13174526990
Price range: Referral fee at closing

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.

Elevated default risk26.8% vs 15.4% all industry avg

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. The capital source prices this risk into rate and structure.

Quick Answer

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.

4,265

Total SBA Loans

$658.6M

Total Volume

$154K

Avg Loan Size

55% below avg

658

Active Lenders

104 mo

Avg Term

20% below avg

20,310

Jobs Supported

Is SBA Lending Growing for All Other General Merchandise Stores?+100% growth

110

$25.4M

$12.8M

$2.8M

$955K

$425K

$605K

$25K

$575K

$75K

Which SBA Program Do All Other General Merchandise Stores Businesses Use Most?

SBA 7(a)4,044 (95%)

SBA 504221 (5%)

What Is the Best SBA Loan for All Other General Merchandise Stores?

SBA 7(a)

The most widely used SBA program for all other general merchandise stores businesses: flexible terms, multiple use cases

Industry avg loan: $154K

Typical term: 104 months

Historical avg rate: 6.54%

658+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 26.8%

Where Are All Other General Merchandise Stores SBA Loans Most Common?

665 loans

$158.0M

286 loans

$42.9M

282 loans

$35.7M

212 loans

$39.6M

202 loans

$14.6M

SBA Lending Activity in All Other General Merchandise Stores

658 SBA lenders have funded 4,265 loans to all other general merchandise stores businesses (NAICS 452990). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.

Loans funded

4,265

Active lenders

658

Total volume

$658.6M

Avg loan size

$154K

Browse all SBA lenders

Talk to PeerSense

PeerSense sources capital for all other general merchandise stores businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a All Other General Merchandise Stores business.

Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.

SBA 7(a) / 504: PeerSense will reach out. No obligation.

How big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

By checking this box and submitting my information, I electronically sign and agree that PeerSense, Inc. and its affiliates, funding partners, and franchise partners may contact me at the email address and phone number I provided, including by phone call, SMS/text message (including autodialed, prerecorded, or artificial voice messages), and email, for marketing, franchise research, and funding related purposes, even if that number is on any Do Not Call list. Message and data rates may apply. Consent is not a condition of purchase. I may opt out at any time by replying STOP to texts or emailing info@peersense.com. I have read and agree to the Privacy Policy and Terms of Service.

Referral fee realized at closing · Or call (317) 452 6990

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.

Talk to PeerSense about a all other general merchandise stores file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

SBA Loan Guide SBA Calculator SBA Lender Directory Industry Data Hub Current SBA Rates Contact Us

Frequently Asked Questions: All Other General Merchandise Stores SBA Loans

What is the average SBA loan size for all other general merchandise stores businesses?

Based on 4,265 approved SBA loans, the average loan size for all other general merchandise stores (NAICS 452990) is $154K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a all other general merchandise stores business?

SBA 7(a) is the most commonly used SBA program for all other general merchandise stores businesses. The most widely used SBA program for all other general merchandise stores businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for all other general merchandise stores?

658 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a all other general merchandise stores file.

What states have the most SBA lending for all other general merchandise stores?

CA leads with 665 SBA loans and $158.0M in total volume for all other general merchandise stores businesses. TX, NY, FL also show strong lending activity in this sector.

How does PeerSense help all other general merchandise stores businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a all other general merchandise stores file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Retail Trade Industries

All Other Miscellaneous Store Retailers (except Tobacco Stores)

11,465 loans · N/A

Avg: $171K

Sporting Goods Stores

10,775 loans · N/A

Avg: $198K

Gift, Novelty, and Souvenir Stores

Florists

Other Direct Selling Establishments

3,977 loans · N/A

Avg: $287K

Vending Machine Operators

3,725 loans · N/A

Avg: $176K

Data aggregated from SBA loan records (1992 to 2025). All Other General Merchandise Stores defined by NAICS code 452990. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.