How Much Can All Other Miscellaneous Store Retailers (except Tobacco Stores) Businesses Get in SBA Loans?
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.
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. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
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.
Is SBA Lending Growing for All Other Miscellaneous Store Retailers (except Tobacco Stores)?-81% decline
Which SBA Program Do All Other Miscellaneous Store Retailers (except Tobacco Stores) Businesses Use Most?
What Is the Best SBA Loan for All Other Miscellaneous Store Retailers (except Tobacco Stores)?
The most widely used SBA program for all other miscellaneous store retailers (except tobacco stores) businesses — flexible terms, multiple use cases
Where Are All Other Miscellaneous Store Retailers (except Tobacco Stores) SBA Loans Most Common?
Top SBA Lenders for All Other Miscellaneous Store Retailers (except Tobacco Stores)
These banks have funded the most SBA loans for all other miscellaneous store retailers (except tobacco stores) businesses (NAICS 453998). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 1,180 | $41.6M |
| 2 | Wells Fargo Bank National Association(SD) | 754 | $145.6M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 659 | $61.6M |
| 4 | PNC Bank, National Association(DE) | 573 | $42.5M |
| 5 | U.S. Bank, National Association(OH) | 539 | $61.7M |
All Other Miscellaneous Store Retailers (except Tobacco Stores) Industry Context
Ready to Fund Your All Other Miscellaneous Store Retailers (except Tobacco Stores) Business?
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.
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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.
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.
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?
Which SBA loan program is best for a all other miscellaneous store retailers (except tobacco stores) business?
How many lenders fund SBA loans for all other miscellaneous store retailers (except tobacco stores)?
What states have the most SBA lending for all other miscellaneous store retailers (except tobacco stores)?
How does PeerSense help all other miscellaneous store retailers (except tobacco stores) businesses get SBA loans?
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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.