Which SBA program is best for All Other Miscellaneous Store Retailers (except Tobacco Stores)?

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

NAICS 453998Retail Trade

How Much Can All Other Miscellaneous Store Retailers (except Tobacco Stores) Businesses Get in SBA Loans?

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

11,465 SBA loans totaling $2.0B have been approved for all other miscellaneous store retailers (except tobacco stores) businesses (NAICS 453998). The average approved SBA loan is $171K, which is 50% below avg the $340K national average. 1095 active lenders fund this industry with a 22.4% default rate on the matured 2018-2021 loan cohort.

Elevated default risk22.4% vs 15.4% all industry avg

At 22.4%, All Other Miscellaneous Store Retailers (except Tobacco 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 453998 (All Other Miscellaneous Store Retailers (except Tobacco Stores)) received 11,465 SBA loans worth $2.0B across 5+ states. Average loan $171K, average term 101 months, 22.4% default rate (resolved loan basis).1095 active SBA approved lenders fund this industry. Most all other miscellaneous store retailers (except tobacco stores) loans use the SBA 7(a) program.

11,465

Total SBA Loans

$2.0B

Total Volume

$171K

Avg Loan Size

50% below avg

1,095

Active Lenders

101 mo

Avg Term

22% below avg

66,703

Jobs Supported

Is SBA Lending Growing for All Other Miscellaneous Store Retailers (except Tobacco Stores)?-81% decline

368

369

322

256

214

325

166

$96.9M

$109.0M

$108.2M

$67.4M

$85.1M

$173.2M

$74.2M

$4.8M

$1.6M

$3.2M

Which SBA Program Do All Other Miscellaneous Store Retailers (except Tobacco Stores) Businesses Use Most?

SBA 7(a)10,813 (94%)

SBA 504653 (6%)

What Is the Best SBA Loan for All Other Miscellaneous Store Retailers (except Tobacco Stores)?

SBA 7(a)

The most widely used SBA program for all other miscellaneous store retailers (except tobacco stores) businesses: flexible terms, multiple use cases

Industry avg loan: $171K

Typical term: 101 months

Historical avg rate: 6.59%

1095+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 22.4%

Where Are All Other Miscellaneous Store Retailers (except Tobacco Stores) SBA Loans Most Common?

1,262 loans

$310.5M

902 loans

$165.8M

668 loans

$112.6M

641 loans

$83.5M

556 loans

$68.0M

SBA Lending Activity in All Other Miscellaneous Store Retailers (except Tobacco Stores)

1,095 SBA lenders have funded 11,465 loans to all other miscellaneous store retailers (except tobacco stores) businesses (NAICS 453998). 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

11,465

Active lenders

1,095

Total volume

$2.0B

Avg loan size

$171K

Browse all SBA lenders

All Other Miscellaneous Store Retailers (except Tobacco Stores) Industry Context

U.S. Employment

28,615,000

BLS · 2026

Talk to PeerSense

PeerSense sources capital for all other miscellaneous store retailers (except tobacco 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 Miscellaneous Store Retailers (except Tobacco 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 Miscellaneous Store Retailers (except Tobacco Stores) Businesses?

Across all SBA loan programs, 11,465 loans have been approved for businesses classified under NAICS 453998 (All Other Miscellaneous Store Retailers (except Tobacco Stores)), representing $2.0B in total capital deployed. The average approved loan of $171K is 50% below avg the national SBA average of $340K, with typical repayment terms of 101 months.

SBA lending for all other miscellaneous store retailers (except tobacco stores) has contracted approximately 81% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 1095 lenders remain active, maintaining competitive options for qualified borrowers.

The industry sees a balanced mix of SBA programs, with 6% 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 miscellaneous store retailers (except tobacco 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 Miscellaneous Store Retailers (except Tobacco Stores) SBA Loans

What is the average SBA loan size for all other miscellaneous store retailers (except tobacco stores) businesses?

Based on 11,465 approved SBA loans, the average loan size for all other miscellaneous store retailers (except tobacco stores) (NAICS 453998) is $171K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a all other miscellaneous store retailers (except tobacco stores) business?

SBA 7(a) is the most commonly used SBA program for all other miscellaneous store retailers (except tobacco stores) businesses. The most widely used SBA program for all other miscellaneous store retailers (except tobacco 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 miscellaneous store retailers (except tobacco stores)?

1095 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 miscellaneous store retailers (except tobacco stores) file.

What states have the most SBA lending for all other miscellaneous store retailers (except tobacco stores)?

CA leads with 1,262 SBA loans and $310.5M in total volume for all other miscellaneous store retailers (except tobacco stores) businesses. TX, FL, NY also show strong lending activity in this sector.

How does PeerSense help all other miscellaneous store retailers (except tobacco stores) businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a all other miscellaneous store retailers (except tobacco stores) file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Retail Trade Industries

Sporting Goods Stores

10,775 loans · N/A

Avg: $198K

Gift, Novelty, and Souvenir Stores

Florists

All Other General Merchandise Stores

4,265 loans · N/A

Avg: $154K

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 Miscellaneous Store Retailers (except Tobacco Stores) defined by NAICS code 453998. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.