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 18.3% historical default rate.
The most widely used SBA program for all other miscellaneous store retailers (except tobacco stores) businesses — flexible terms, multiple use cases
PeerSense places SBA loans for all other miscellaneous store retailers (except tobacco 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, 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.
PeerSense specializes in matching all other miscellaneous store retailers (except tobacco 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.
Sporting Goods Stores
Gift, Novelty, and Souvenir Stores
Florists
All Other General Merchandise Stores
Other Direct Selling Establishments
Vending Machine Operators
Data aggregated from SBA loan records (1992–2025). All Other Miscellaneous Store Retailers (except Tobacco Stores) defined by NAICS code 453998. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.