How Much Can Discount Department Stores Businesses Get in SBA Loans?
153 SBA loans totaling $21.5M have been approved for discount department stores businesses (NAICS 452112). The average approved SBA loan is $141K, which is 59% below avg the $340K national average. 57 active lenders fund this industry with a 38.9% default rate on the matured 2018-2021 loan cohort.
At 38.9%, Discount Department 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 452112 (Discount Department Stores) received 153 SBA loans worth $21.5M across 5+ states. Average loan $141K, average term 86 months, 38.9% default rate (resolved-loan basis).57 active SBA-approved lenders fund this industry. Most discount department stores loans use the SBA 7(a) program.
Is SBA Lending Growing for Discount Department Stores?-89% decline
Which SBA Program Do Discount Department Stores Businesses Use Most?
What Is the Best SBA Loan for Discount Department Stores?
The most widely used SBA program for discount department stores businesses — flexible terms, multiple use cases
Where Are Discount Department Stores SBA Loans Most Common?
Top SBA Lenders for Discount Department Stores
These banks have funded the most SBA loans for discount department stores businesses (NAICS 452112). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 19 | $667K |
| 2 | JPMorgan Chase Bank, National Association(OH) | 17 | $590K |
| 3 | Citizens Bank, National Association(RI) | 13 | $680K |
| 4 | U.S. Bank, National Association(OH) | 9 | $2.2M |
| 5 | PNC Bank, National Association(DE) | 9 | $160K |
Ready to Fund Your Discount Department Stores Business?
PeerSense places SBA loans for discount department 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 Discount Department 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 Discount Department Stores Businesses?
Across all SBA loan programs, 153 loans have been approved for businesses classified under NAICS 452112 (Discount Department Stores), representing $21.5M in total capital deployed. The average approved loan of $141K is 59% below avg the national SBA average of $340K, with typical repayment terms of 86 months.
SBA lending for discount department stores has contracted approximately 89% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 57 lenders remain active, maintaining competitive options for qualified borrowers.
The overwhelming majority of SBA lending for discount department 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 discount department 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 — Discount Department Stores SBA Loans
What is the average SBA loan size for discount department stores businesses?
Which SBA loan program is best for a discount department stores business?
How many lenders fund SBA loans for discount department stores?
What states have the most SBA lending for discount department stores?
How does PeerSense help discount 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 (1992–2025). Discount Department Stores defined by NAICS code 452112. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.