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 22.8% historical default rate.
The most widely used SBA program for all other general merchandise stores businesses — flexible terms, multiple use cases
PeerSense places SBA loans for all other general merchandise stores businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
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.
All Other Miscellaneous Store Retailers (except Tobacco Stores)
Sporting Goods Stores
Gift, Novelty, and Souvenir Stores
Florists
Other Direct Selling Establishments
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.