How Much Can Art Dealers Businesses Get in SBA Loans?
1,297 SBA loans totaling $221.2M have been approved for art dealers businesses (NAICS 453920). The average approved SBA loan is $171K, which is 50% below avg the $340K national average. 277 active lenders fund this industry with a 22.3% default rate on the matured 2018-2021 loan cohort.
At 22.3%, Art Dealers 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 453920 (Art Dealers) received 1,297 SBA loans worth $221.2M across 5+ states. Average loan $171K, average term 109 months, 22.3% default rate (resolved-loan basis).277 active SBA-approved lenders fund this industry. Most art dealers loans use the SBA 7(a) program. There are approximately 4,772 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Art Dealers?-87% decline
Which SBA Program Do Art Dealers Businesses Use Most?
What Is the Best SBA Loan for Art Dealers?
The most widely used SBA program for art dealers businesses — flexible terms, multiple use cases
Where Are Art Dealers SBA Loans Most Common?
Top SBA Lenders for Art Dealers
These banks have funded the most SBA loans for art dealers businesses (NAICS 453920). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association(OH) | 157 | $16.6M |
| 2 | Bank of America, National Association(NC) | 147 | $6.0M |
| 3 | Wells Fargo Bank National Association(SD) | 104 | $20.1M |
| 4 | Citizens Bank, National Association(RI) | 56 | $1.6M |
| 5 | PNC Bank, National Association(DE) | 53 | $2.8M |
Art Dealers Industry Context
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How Does SBA Lending Work for Art Dealers Businesses?
Across all SBA loan programs, 1,297 loans have been approved for businesses classified under NAICS 453920 (Art Dealers), representing $221.2M 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 109 months.
SBA lending for art dealers has contracted approximately 87% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 277 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 art dealers 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 — Art Dealers SBA Loans
What is the average SBA loan size for art dealers businesses?
Which SBA loan program is best for a art dealers business?
How many lenders fund SBA loans for art dealers?
What states have the most SBA lending for art dealers?
How does PeerSense help art dealers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Art Dealers defined by NAICS code 453920. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.