How Much Can Floor Covering Stores Businesses Get in SBA Loans?
4,464 SBA loans totaling $1.2B have been approved for floor covering stores businesses (NAICS 442210). The average approved SBA loan is $276K, which is 19% below avg the $340K national average. 739 active lenders fund this industry with a 19.5% default rate on the matured 2018-2021 loan cohort.
At 19.5%, Floor Covering 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 442210 (Floor Covering Stores) received 4,464 SBA loans worth $1.2B across 5+ states. Average loan $276K, average term 132 months, 19.5% default rate (resolved-loan basis).739 active SBA-approved lenders fund this industry. Most floor covering stores loans use the SBA 7(a) program.
Is SBA Lending Growing for Floor Covering Stores?-95% decline
Which SBA Program Do Floor Covering Stores Businesses Use Most?
What Is the Best SBA Loan for Floor Covering Stores?
The most widely used SBA program for floor covering stores businesses — flexible terms, multiple use cases
Where Are Floor Covering Stores SBA Loans Most Common?
Top SBA Lenders for Floor Covering Stores
These banks have funded the most SBA loans for floor covering stores businesses (NAICS 442210). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 302 | $90.0M |
| 2 | Bank of America, National Association(NC) | 251 | $16.7M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 204 | $28.8M |
| 4 | U.S. Bank, National Association(OH) | 185 | $54.8M |
| 5 | Citizens Bank, National Association(RI) | 171 | $12.4M |
Floor Covering Stores Industry Context
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How Does SBA Lending Work for Floor Covering Stores Businesses?
Across all SBA loan programs, 4,464 loans have been approved for businesses classified under NAICS 442210 (Floor Covering Stores), representing $1.2B in total capital deployed. The average approved loan of $276K is 19% below avg the national SBA average of $340K, with typical repayment terms of 132 months.
SBA lending for floor covering stores has contracted approximately 95% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 739 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 15% 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 floor covering 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 — Floor Covering Stores SBA Loans
What is the average SBA loan size for floor covering stores businesses?
Which SBA loan program is best for a floor covering stores business?
How many lenders fund SBA loans for floor covering stores?
What states have the most SBA lending for floor covering stores?
How does PeerSense help floor covering stores businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Floor Covering Stores defined by NAICS code 442210. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.