How Much Can Electronic Shopping and Mail-Order Houses Businesses Get in SBA Loans?
3,060 SBA loans totaling $1.1B have been approved for electronic shopping and mail-order houses businesses (NAICS 454110). The average approved SBA loan is $357K, which is 5% above avg the $340K national average. 446 active lenders fund this industry with a 14.7% default rate on the matured 2018-2021 loan cohort.
At 14.7%, Electronic Shopping and Mail-Order Houses sits below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — moderate 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 454110 (Electronic Shopping and Mail-Order Houses) received 3,060 SBA loans worth $1.1B across 5+ states. Average loan $357K, average term 125 months, 14.7% default rate (resolved-loan basis).446 active SBA-approved lenders fund this industry. Most electronic shopping and mail-order houses loans use the SBA 7(a) program.
Is SBA Lending Growing for Electronic Shopping and Mail-Order Houses?-75% decline
Which SBA Program Do Electronic Shopping and Mail-Order Houses Businesses Use Most?
What Is the Best SBA Loan for Electronic Shopping and Mail-Order Houses?
The most widely used SBA program for electronic shopping and mail-order houses businesses — flexible terms, multiple use cases
Where Are Electronic Shopping and Mail-Order Houses SBA Loans Most Common?
Top SBA Lenders for Electronic Shopping and Mail-Order Houses
These banks have funded the most SBA loans for electronic shopping and mail-order houses businesses (NAICS 454110). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 644 | $42.0M |
| 2 | TD Bank, National Association(DE) | 296 | $22.0M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 260 | $47.8M |
| 4 | Bank of America, National Association(NC) | 88 | $21.9M |
| 5 | U.S. Bank, National Association(OH) | 83 | $22.4M |
Ready to Fund Your Electronic Shopping and Mail-Order Houses Business?
PeerSense places SBA loans for electronic shopping and mail-order houses businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
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How Does SBA Lending Work for Electronic Shopping and Mail-Order Houses Businesses?
Across all SBA loan programs, 3,060 loans have been approved for businesses classified under NAICS 454110 (Electronic Shopping and Mail-Order Houses), representing $1.1B in total capital deployed. The average approved loan of $357K is 5% above avg the national SBA average of $340K, with typical repayment terms of 125 months.
SBA lending for electronic shopping and mail-order houses has contracted approximately 75% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 446 lenders remain active, maintaining competitive options for qualified borrowers.
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.
PeerSense specializes in matching electronic shopping and mail-order houses 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 and Mail-Order Houses SBA Loans
What is the average SBA loan size for electronic shopping and mail-order houses businesses?
Which SBA loan program is best for a electronic shopping and mail-order houses business?
How many lenders fund SBA loans for electronic shopping and mail-order houses?
What states have the most SBA lending for electronic shopping and mail-order houses?
How does PeerSense help electronic shopping and mail-order houses businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Electronic Shopping and Mail-Order Houses defined by NAICS code 454110. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.