How Much Can Electronic Shopping Businesses Get in SBA Loans?
2,899 SBA loans totaling $596.8M have been approved for electronic shopping businesses (NAICS 454111). The average approved SBA loan is $206K, which is 40% below avg the $340K national average. 336 active lenders fund this industry with a 18.2% default rate on the matured 2018-2021 loan cohort.
At 18.2%, Electronic Shopping 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 454111 (Electronic Shopping) received 2,899 SBA loans worth $596.8M across 5+ states. Average loan $206K, average term 99 months, 18.2% default rate (resolved loan basis).336 active SBA approved lenders fund this industry. Most electronic shopping loans use the SBA 7(a) program.
Is SBA Lending Growing for Electronic Shopping?-93% decline
Which SBA Program Do Electronic Shopping Businesses Use Most?
What Is the Best SBA Loan for Electronic Shopping?
The most widely used SBA program for electronic shopping businesses: flexible terms, multiple use cases
Where Are Electronic Shopping SBA Loans Most Common?
SBA Lending Activity in Electronic Shopping
336 SBA lenders have funded 2,899 loans to electronic shopping businesses (NAICS 454111). 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 electronic shopping 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 Electronic Shopping 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 Electronic Shopping Businesses?
Across all SBA loan programs, 2,899 loans have been approved for businesses classified under NAICS 454111 (Electronic Shopping), representing $596.8M in total capital deployed. The average approved loan of $206K is 40% below avg the national SBA average of $340K, with typical repayment terms of 99 months.
SBA lending for electronic shopping has contracted approximately 93% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 336 lenders remain active, maintaining competitive options for qualified borrowers.
The overwhelming majority of SBA lending for electronic shopping 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.
Talk to PeerSense about a electronic shopping file. The capital source sets the terms. The desk fee is paid at closing, never upfront.
Frequently Asked Questions: Electronic Shopping SBA Loans
What is the average SBA loan size for electronic shopping businesses?
Which SBA loan program is best for a electronic shopping business?
How many lenders fund SBA loans for electronic shopping?
What states have the most SBA lending for electronic shopping?
How does PeerSense help electronic shopping businesses get SBA loans?
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All Other General Merchandise Stores
Other Direct Selling Establishments
Data aggregated from SBA loan records (1992 to 2025). Electronic Shopping defined by NAICS code 454111. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.