How Much Can Clothing Accessories Stores Businesses Get in SBA Loans?
2,241 SBA loans totaling $275.9M have been approved for clothing accessories stores businesses (NAICS 448150). The average approved SBA loan is $123K, which is 64% below avg the $340K national average. 353 active lenders fund this industry with a 28.1% default rate on the matured 2018-2021 loan cohort.
At 28.1%, Clothing Accessories 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 448150 (Clothing Accessories Stores) received 2,241 SBA loans worth $275.9M across 5+ states. Average loan $123K, average term 86 months, 28.1% default rate (resolved-loan basis).353 active SBA-approved lenders fund this industry. Most clothing accessories stores loans use the SBA 7(a) program.
Is SBA Lending Growing for Clothing Accessories Stores?-87% decline
Which SBA Program Do Clothing Accessories Stores Businesses Use Most?
What Is the Best SBA Loan for Clothing Accessories Stores?
The most widely used SBA program for clothing accessories stores businesses — flexible terms, multiple use cases
Where Are Clothing Accessories Stores SBA Loans Most Common?
Top SBA Lenders for Clothing Accessories Stores
These banks have funded the most SBA loans for clothing accessories stores businesses (NAICS 448150). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 313 | $10.3M |
| 2 | Bank of Hope(CA) | 203 | $11.9M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 189 | $21.6M |
| 4 | Wells Fargo Bank National Association(SD) | 121 | $14.6M |
| 5 | Citizens Bank, National Association(RI) | 83 | $4.2M |
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How Does SBA Lending Work for Clothing Accessories Stores Businesses?
Across all SBA loan programs, 2,241 loans have been approved for businesses classified under NAICS 448150 (Clothing Accessories Stores), representing $275.9M in total capital deployed. The average approved loan of $123K is 64% below avg the national SBA average of $340K, with typical repayment terms of 86 months.
SBA lending for clothing accessories stores 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, 353 lenders remain active, maintaining competitive options for qualified borrowers.
The overwhelming majority of SBA lending for clothing accessories 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 clothing accessories 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 — Clothing Accessories Stores SBA Loans
What is the average SBA loan size for clothing accessories stores businesses?
Which SBA loan program is best for a clothing accessories stores business?
How many lenders fund SBA loans for clothing accessories stores?
What states have the most SBA lending for clothing accessories stores?
How does PeerSense help clothing accessories stores businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Clothing Accessories Stores defined by NAICS code 448150. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.