How Much Can Electronics Stores Businesses Get in SBA Loans?
995 SBA loans totaling $287.3M have been approved for electronics stores businesses (NAICS 443142). The average approved SBA loan is $289K, which is 15% below avg the $340K national average. 242 active lenders fund this industry with a 19.5% default rate on the matured 2018-2021 loan cohort.
At 19.5%, Electronics 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 443142 (Electronics Stores) received 995 SBA loans worth $287.3M across 5+ states. Average loan $289K, average term 119 months, 19.5% default rate (resolved-loan basis).242 active SBA-approved lenders fund this industry. Most electronics stores loans use the SBA 7(a) program. There are approximately 15,773 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Electronics Stores?-92% decline
Which SBA Program Do Electronics Stores Businesses Use Most?
What Is the Best SBA Loan for Electronics Stores?
The most widely used SBA program for electronics stores businesses — flexible terms, multiple use cases
Where Are Electronics Stores SBA Loans Most Common?
Top SBA Lenders for Electronics Stores
These banks have funded the most SBA loans for electronics stores businesses (NAICS 443142). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | U.S. Bank, National Association(OH) | 85 | $10.5M |
| 2 | Wells Fargo Bank National Association(SD) | 82 | $10.4M |
| 3 | TD Bank, National Association(DE) | 64 | $4.8M |
| 4 | The Huntington National Bank(OH) | 63 | $7.7M |
| 5 | JPMorgan Chase Bank, National Association(OH) | 49 | $7.1M |
Electronics Stores Industry Context
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How Does SBA Lending Work for Electronics Stores Businesses?
Across all SBA loan programs, 995 loans have been approved for businesses classified under NAICS 443142 (Electronics Stores), representing $287.3M in total capital deployed. The average approved loan of $289K is 15% below avg the national SBA average of $340K, with typical repayment terms of 119 months.
SBA lending for electronics stores has contracted approximately 92% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 242 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 9% 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 electronics 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 — Electronics Stores SBA Loans
What is the average SBA loan size for electronics stores businesses?
Which SBA loan program is best for a electronics stores business?
How many lenders fund SBA loans for electronics stores?
What states have the most SBA lending for electronics stores?
How does PeerSense help electronics stores businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Electronics Stores defined by NAICS code 443142. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.