How Much Can Fish and Seafood Markets Businesses Get in SBA Loans?
577 SBA loans totaling $89.4M have been approved for fish and seafood markets businesses (NAICS 445220). The average approved SBA loan is $155K, which is 54% below avg the $340K national average. 147 active lenders fund this industry with a 22.4% default rate on the matured 2018-2021 loan cohort.
At 22.4%, Fish and Seafood Markets 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 445220 (Fish and Seafood Markets) received 577 SBA loans worth $89.4M across 5+ states. Average loan $155K, average term 100 months, 22.4% default rate (resolved-loan basis).147 active SBA-approved lenders fund this industry. Most fish and seafood markets loans use the SBA 7(a) program. There are approximately 1,983 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Fish and Seafood Markets?-70% decline
Which SBA Program Do Fish and Seafood Markets Businesses Use Most?
What Is the Best SBA Loan for Fish and Seafood Markets?
The most widely used SBA program for fish and seafood markets businesses — flexible terms, multiple use cases
Where Are Fish and Seafood Markets SBA Loans Most Common?
Top SBA Lenders for Fish and Seafood Markets
These banks have funded the most SBA loans for fish and seafood markets businesses (NAICS 445220). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 60 | $2.7M |
| 2 | Citizens Bank, National Association(RI) | 50 | $2.0M |
| 3 | Bank of Hope(CA) | 35 | $3.4M |
| 4 | JPMorgan Chase Bank, National Association(OH) | 30 | $5.3M |
| 5 | TD Bank, National Association(DE) | 25 | $2.0M |
Fish and Seafood Markets Industry Context
Ready to Fund Your Fish and Seafood Markets Business?
PeerSense places SBA loans for fish and seafood markets businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Financing a Fish and Seafood Markets business? Get matched to an SBA lender.
Tell us your loan amount and use of funds. We route you to the lender most likely to fund a deal in your industry.
SBA 7(a) / 504 — Response within 4 business hours. No obligation.
How Does SBA Lending Work for Fish and Seafood Markets Businesses?
Across all SBA loan programs, 577 loans have been approved for businesses classified under NAICS 445220 (Fish and Seafood Markets), representing $89.4M in total capital deployed. The average approved loan of $155K is 54% below avg the national SBA average of $340K, with typical repayment terms of 100 months.
SBA lending for fish and seafood markets has contracted approximately 70% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 147 lenders remain active, maintaining competitive options for qualified borrowers.
The overwhelming majority of SBA lending for fish and seafood markets 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 fish and seafood markets 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 — Fish and Seafood Markets SBA Loans
What is the average SBA loan size for fish and seafood markets businesses?
Which SBA loan program is best for a fish and seafood markets business?
How many lenders fund SBA loans for fish and seafood markets?
What states have the most SBA lending for fish and seafood markets?
How does PeerSense help fish and seafood markets businesses get SBA loans?
Related Retail Trade Industries
Gasoline Stations with Convenience Stores
Beer, Wine, and Liquor Stores
Supermarkets and Other Grocery (except Convenience) Stores
Convenience Stores
Used Car Dealers
Pharmacies and Drug Stores
Data aggregated from SBA loan records (1992–2025). Fish and Seafood Markets defined by NAICS code 445220. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.