How Much Can Department Stores Businesses Get in SBA Loans?
204 SBA loans totaling $43.8M have been approved for department stores businesses (NAICS 452110). The average approved SBA loan is $215K, which is 37% below avg the $340K national average. 130 active lenders fund this industry with a 18.1% default rate on the matured 2018-2021 loan cohort.
At 18.1%, Department Stores 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. The capital source prices this risk into rate and structure.
NAICS 452110 (Department Stores) received 204 SBA loans worth $43.8M across 5+ states. Average loan $215K, average term 120 months, 18.1% default rate (resolved loan basis).130 active SBA approved lenders fund this industry. Most department stores loans use the SBA 7(a) program.
Which SBA Program Do Department Stores Businesses Use Most?
What Is the Best SBA Loan for Department Stores?
The most widely used SBA program for department stores businesses: flexible terms, multiple use cases
Where Are Department Stores SBA Loans Most Common?
SBA Lending Activity in Department Stores
130 SBA lenders have funded 204 loans to department stores businesses (NAICS 452110). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.
Talk to PeerSense
PeerSense sources capital for department stores businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Talk to PeerSense about financing a Department Stores business.
Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.
SBA 7(a) / 504: PeerSense will reach out. No obligation.
How Does SBA Lending Work for Department Stores Businesses?
Across all SBA loan programs, 204 loans have been approved for businesses classified under NAICS 452110 (Department Stores), representing $43.8M in total capital deployed. The average approved loan of $215K is 37% below avg the national SBA average of $340K, with typical repayment terms of 120 months.
SBA lending for department stores has remained relatively stable across recent fiscal years. 130 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 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.
Talk to PeerSense about a department stores file. The capital source sets the terms. The desk fee is paid at closing, never upfront.
Frequently Asked Questions: Department Stores SBA Loans
What is the average SBA loan size for department stores businesses?
Which SBA loan program is best for a department stores business?
How many lenders fund SBA loans for department stores?
What states have the most SBA lending for department stores?
How does PeerSense help department stores businesses get SBA loans?
Related Retail Trade Industries
All Other Miscellaneous Store Retailers (except Tobacco Stores)
Sporting Goods Stores
Gift, Novelty, and Souvenir Stores
Florists
All Other General Merchandise Stores
Other Direct Selling Establishments
Data aggregated from SBA loan records (1992 to 2025). Department Stores defined by NAICS code 452110. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.