How Much Can All Other Home Furnishings Stores Businesses Get in SBA Loans?
3,323 SBA loans totaling $740.0M have been approved for all other home furnishings stores businesses (NAICS 442299). The average approved SBA loan is $223K, which is 35% below avg the $340K national average. 561 active lenders fund this industry with a 24.9% default rate on the matured 2018-2021 loan cohort.
At 24.9%, All Other Home Furnishings 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 442299 (All Other Home Furnishings Stores) received 3,323 SBA loans worth $740.0M across 5+ states. Average loan $223K, average term 109 months, 24.9% default rate (resolved-loan basis).561 active SBA-approved lenders fund this industry. Most all other home furnishings stores loans use the SBA 7(a) program.
Is SBA Lending Growing for All Other Home Furnishings Stores?-83% decline
Which SBA Program Do All Other Home Furnishings Stores Businesses Use Most?
What Is the Best SBA Loan for All Other Home Furnishings Stores?
The most widely used SBA program for all other home furnishings stores businesses — flexible terms, multiple use cases
Where Are All Other Home Furnishings Stores SBA Loans Most Common?
Top SBA Lenders for All Other Home Furnishings Stores
These banks have funded the most SBA loans for all other home furnishings stores businesses (NAICS 442299). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 312 | $16.3M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 210 | $26.1M |
| 3 | Wells Fargo Bank National Association(SD) | 195 | $51.8M |
| 4 | U.S. Bank, National Association(OH) | 132 | $25.3M |
| 5 | Citizens Bank, National Association(RI) | 116 | $3.6M |
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How Does SBA Lending Work for All Other Home Furnishings Stores Businesses?
Across all SBA loan programs, 3,323 loans have been approved for businesses classified under NAICS 442299 (All Other Home Furnishings Stores), representing $740.0M in total capital deployed. The average approved loan of $223K is 35% below avg the national SBA average of $340K, with typical repayment terms of 109 months.
SBA lending for all other home furnishings stores has contracted approximately 83% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 561 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 8% 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 home furnishings 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 Home Furnishings Stores SBA Loans
What is the average SBA loan size for all other home furnishings stores businesses?
Which SBA loan program is best for a all other home furnishings stores business?
How many lenders fund SBA loans for all other home furnishings stores?
What states have the most SBA lending for all other home furnishings stores?
How does PeerSense help all other home furnishings stores businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). All Other Home Furnishings Stores defined by NAICS code 442299. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.