Which SBA program is best for Electronic Shopping and Mail-Order Houses?

The SBA 7(a) program is the most commonly used for Electronic Shopping and Mail-Order Houses businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 454110Retail Trade

How Much Can Electronic Shopping and Mail-Order Houses Businesses Get in SBA Loans?

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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.

Moderate default risk14.7% vs 15.4% all industry avg

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. The capital source prices this risk into rate and structure.

Quick Answer

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.

3,060

Total SBA Loans

$1.1B

Total Volume

$357K

Avg Loan Size

5% above avg

446

Active Lenders

125 mo

Avg Term

4% below avg

13,488

Jobs Supported

Is SBA Lending Growing for Electronic Shopping and Mail-Order Houses?-75% decline

207

376

493

355

546

345

$44.6M

$96.1M

$171.3M

$166.5M

$333.6M

$113.0M

$19.8M

$9.3M

$3.1M

Which SBA Program Do Electronic Shopping and Mail-Order Houses Businesses Use Most?

SBA 7(a)2,811 (92%)

SBA 504249 (8%)

What Is the Best SBA Loan for Electronic Shopping and Mail-Order Houses?

SBA 7(a)

The most widely used SBA program for electronic shopping and mail-order houses businesses: flexible terms, multiple use cases

Industry avg loan: $357K

Typical term: 125 months

Historical avg rate: 7.94%

446+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 14.7%

Where Are Electronic Shopping and Mail-Order Houses SBA Loans Most Common?

501 loans

$188.5M

391 loans

$164.6M

254 loans

$95.6M

197 loans

$72.0M

171 loans

$92.5M

SBA Lending Activity in Electronic Shopping and Mail-Order Houses

446 SBA lenders have funded 3,060 loans to electronic shopping and mail-order houses businesses (NAICS 454110). 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.

Loans funded

3,060

Active lenders

446

Total volume

$1.1B

Avg loan size

$357K

Browse all SBA lenders

Talk to PeerSense

PeerSense sources capital for electronic shopping and mail-order houses businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Electronic Shopping and Mail-Order Houses 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 big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

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Referral fee realized at closing · Or call (317) 452 6990

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.

Talk to PeerSense about a electronic shopping and mail-order houses file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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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?

Based on 3,060 approved SBA loans, the average loan size for electronic shopping and mail-order houses (NAICS 454110) is $357K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a electronic shopping and mail-order houses business?

SBA 7(a) is the most commonly used SBA program for electronic shopping and mail-order houses businesses. The most widely used SBA program for electronic shopping and mail-order houses businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for electronic shopping and mail-order houses?

446 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a electronic shopping and mail-order houses file.

What states have the most SBA lending for electronic shopping and mail-order houses?

CA leads with 501 SBA loans and $188.5M in total volume for electronic shopping and mail-order houses businesses. NY, FL, TX also show strong lending activity in this sector.

How does PeerSense help electronic shopping and mail-order houses businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a electronic shopping and mail-order houses file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Retail Trade Industries

All Other Miscellaneous Store Retailers (except Tobacco Stores)

11,465 loans · N/A

Avg: $171K

Sporting Goods Stores

10,775 loans · N/A

Avg: $198K

Gift, Novelty, and Souvenir Stores

Florists

All Other General Merchandise Stores

4,265 loans · N/A

Avg: $154K

Other Direct Selling Establishments

3,977 loans · N/A

Avg: $287K

Data aggregated from SBA loan records (1992 to 2025). Electronic Shopping and Mail-Order Houses defined by NAICS code 454110. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.