How Much Can Computer and Software Stores Businesses Get in SBA Loans?
3,272 SBA loans totaling $439.5M have been approved for computer and software stores businesses (NAICS 443120). The average approved SBA loan is $134K, which is 61% below avg the $340K national average. 558 active lenders fund this industry with a 23.4% default rate on the matured 2018-2021 loan cohort.
At 23.4%, Computer and Software 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 443120 (Computer and Software Stores) received 3,272 SBA loans worth $439.5M across 5+ states. Average loan $134K, average term 92 months, 23.4% default rate (resolved-loan basis).558 active SBA-approved lenders fund this industry. Most computer and software stores loans use the SBA 7(a) program.
Which SBA Program Do Computer and Software Stores Businesses Use Most?
What Is the Best SBA Loan for Computer and Software Stores?
The most widely used SBA program for computer and software stores businesses — flexible terms, multiple use cases
Where Are Computer and Software Stores SBA Loans Most Common?
Top SBA Lenders for Computer and Software Stores
These banks have funded the most SBA loans for computer and software stores businesses (NAICS 443120). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 409 | $23.3M |
| 2 | Citizens Bank, National Association(RI) | 243 | $11.7M |
| 3 | Wells Fargo Bank National Association(SD) | 230 | $36.8M |
| 4 | JPMorgan Chase Bank, National Association(OH) | 149 | $13.1M |
| 5 | U.S. Bank, National Association(OH) | 121 | $17.9M |
Ready to Fund Your Computer and Software Stores Business?
PeerSense places SBA loans for computer and software 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
Financing a Computer and Software Stores business? Get matched to an SBA lender.
Tell us your loan amount and use of funds. We route you to the lender most likely to fund a deal in your industry.
SBA 7(a) / 504 — Response within 4 business hours. No obligation.
How Does SBA Lending Work for Computer and Software Stores Businesses?
Across all SBA loan programs, 3,272 loans have been approved for businesses classified under NAICS 443120 (Computer and Software Stores), representing $439.5M in total capital deployed. The average approved loan of $134K is 61% below avg the national SBA average of $340K, with typical repayment terms of 92 months.
SBA lending for computer and software stores has remained relatively stable across recent fiscal years. 558 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The industry sees a balanced mix of SBA programs, with 7% 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 computer and software 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 — Computer and Software Stores SBA Loans
What is the average SBA loan size for computer and software stores businesses?
Which SBA loan program is best for a computer and software stores business?
How many lenders fund SBA loans for computer and software stores?
What states have the most SBA lending for computer and software stores?
How does PeerSense help computer and software stores businesses get SBA loans?
Related Retail Trade Industries
Gasoline Stations with Convenience Stores
Beer, Wine, and Liquor Stores
Supermarkets and Other Grocery (except Convenience) Stores
Convenience Stores
Used Car Dealers
Pharmacies and Drug Stores
Data aggregated from SBA loan records (1992–2025). Computer and Software Stores defined by NAICS code 443120. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.