How Much Can Consumer Electronics and Appliances Rental Businesses Get in SBA Loans?
556 SBA loans totaling $201.3M have been approved for consumer electronics and appliances rental businesses (NAICS 532210). The average approved SBA loan is $362K, which is 6% above avg the $340K national average. 198 active lenders fund this industry with a 18.6% default rate on the matured 2018-2021 loan cohort.
At 18.6%, Consumer Electronics and Appliances Rental sits above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — above average 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 532210 (Consumer Electronics and Appliances Rental) received 556 SBA loans worth $201.3M across 5+ states. Average loan $362K, average term 116 months, 18.6% default rate (resolved-loan basis).198 active SBA-approved lenders fund this industry. Most consumer electronics and appliances rental loans use the SBA 7(a) program. There are approximately 4,906 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Consumer Electronics and Appliances Rental?-70% decline
Which SBA Program Do Consumer Electronics and Appliances Rental Businesses Use Most?
What Is the Best SBA Loan for Consumer Electronics and Appliances Rental?
The most widely used SBA program for consumer electronics and appliances rental businesses — flexible terms, multiple use cases
Where Are Consumer Electronics and Appliances Rental SBA Loans Most Common?
Top SBA Lenders for Consumer Electronics and Appliances Rental
These banks have funded the most SBA loans for consumer electronics and appliances rental businesses (NAICS 532210). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 41 | $13.5M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 40 | $9.2M |
| 3 | Bank of Hope(CA) | 21 | $271K |
| 4 | Citizens Bank, National Association(RI) | 16 | $726K |
| 5 | Bank of America, National Association(NC) | 15 | $624K |
Consumer Electronics and Appliances Rental Industry Context
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How Does SBA Lending Work for Consumer Electronics and Appliances Rental Businesses?
Across all SBA loan programs, 556 loans have been approved for businesses classified under NAICS 532210 (Consumer Electronics and Appliances Rental), representing $201.3M in total capital deployed. The average approved loan of $362K is 6% above avg the national SBA average of $340K, with typical repayment terms of 116 months.
SBA lending for consumer electronics and appliances rental has contracted approximately 70% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 198 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 14% 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 consumer electronics and appliances rental 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 — Consumer Electronics and Appliances Rental SBA Loans
What is the average SBA loan size for consumer electronics and appliances rental businesses?
Which SBA loan program is best for a consumer electronics and appliances rental business?
How many lenders fund SBA loans for consumer electronics and appliances rental?
What states have the most SBA lending for consumer electronics and appliances rental?
How does PeerSense help consumer electronics and appliances rental businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Consumer Electronics and Appliances Rental defined by NAICS code 532210. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.