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. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
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?
Top SBA Lenders for Electronic Shopping
These banks have funded the most SBA loans for electronic shopping businesses (NAICS 454111). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 457 | $61.6M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 352 | $42.2M |
| 3 | VelocitySBA, LLC(TX) | 239 | $1.7M |
| 4 | TD Bank, National Association(DE) | 216 | $24.5M |
| 5 | Bank of America, National Association(NC) | 138 | $12.1M |
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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.
PeerSense specializes in matching electronic shopping 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 — 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?
Related Retail Trade Industries
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All Other General Merchandise Stores
Other Direct Selling Establishments
Data aggregated from SBA loan records (1992–2025). Electronic Shopping defined by NAICS code 454111. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.