How Much Can Children's and Infants' Clothing Stores Businesses Get in SBA Loans?
1,745 SBA loans totaling $166.9M have been approved for children's and infants' clothing stores businesses (NAICS 448130). The average approved SBA loan is $96K, which is 72% below avg the $340K national average. 375 active lenders fund this industry with a 24.0% default rate on the matured 2018-2021 loan cohort.
At 24.0%, Children's and Infants' Clothing 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 448130 (Children's and Infants' Clothing Stores) received 1,745 SBA loans worth $166.9M across 5+ states. Average loan $96K, average term 83 months, 24.0% default rate (resolved-loan basis).375 active SBA-approved lenders fund this industry. Most children's and infants' clothing stores loans use the SBA 7(a) program.
Is SBA Lending Growing for Children's and Infants' Clothing Stores?-73% decline
Which SBA Program Do Children's and Infants' Clothing Stores Businesses Use Most?
What Is the Best SBA Loan for Children's and Infants' Clothing Stores?
The most widely used SBA program for children's and infants' clothing stores businesses — flexible terms, multiple use cases
Where Are Children's and Infants' Clothing Stores SBA Loans Most Common?
Top SBA Lenders for Children's and Infants' Clothing Stores
These banks have funded the most SBA loans for children's and infants' clothing stores businesses (NAICS 448130). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 158 | $6.0M |
| 2 | Wells Fargo Bank National Association(SD) | 143 | $20.6M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 136 | $11.5M |
| 4 | Bank of Hope(CA) | 67 | $1.6M |
| 5 | PNC Bank, National Association(DE) | 58 | $5.0M |
Ready to Fund Your Children's and Infants' Clothing Stores Business?
PeerSense places SBA loans for children's and infants' clothing 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 Children's and Infants' Clothing Stores Businesses?
Across all SBA loan programs, 1,745 loans have been approved for businesses classified under NAICS 448130 (Children's and Infants' Clothing Stores), representing $166.9M in total capital deployed. The average approved loan of $96K is 72% below avg the national SBA average of $340K, with typical repayment terms of 83 months.
SBA lending for children's and infants' clothing stores has contracted approximately 73% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 375 lenders remain active, maintaining competitive options for qualified borrowers.
The overwhelming majority of SBA lending for children's and infants' clothing stores uses the 7(a) program, which provides the most flexibility — covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.
PeerSense specializes in matching children's and infants' clothing 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 — Children's and Infants' Clothing Stores SBA Loans
What is the average SBA loan size for children's and infants' clothing stores businesses?
Which SBA loan program is best for a children's and infants' clothing stores business?
How many lenders fund SBA loans for children's and infants' clothing stores?
What states have the most SBA lending for children's and infants' clothing stores?
How does PeerSense help children's and infants' clothing stores businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Children's and Infants' Clothing Stores defined by NAICS code 448130. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.