How Much Can Furniture Merchant Wholesalers Businesses Get in SBA Loans?
1,354 SBA loans totaling $677.6M have been approved for furniture merchant wholesalers businesses (NAICS 423210). The average approved SBA loan is $500K, which is 47% above avg the $340K national average. 270 active lenders fund this industry with a 20.8% default rate on the matured 2018-2021 loan cohort.
At 20.8%, Furniture Merchant Wholesalers 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 423210 (Furniture Merchant Wholesalers) received 1,354 SBA loans worth $677.6M across 5+ states. Average loan $500K, average term 128 months, 20.8% default rate (resolved-loan basis).270 active SBA-approved lenders fund this industry. Most furniture merchant wholesalers loans use the SBA 504 program. There are approximately 5,186 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Furniture Merchant Wholesalers?-19% decline
Which SBA Program Do Furniture Merchant Wholesalers Businesses Use Most?
What Is the Best SBA Loan for Furniture Merchant Wholesalers?
16% of furniture merchant wholesalers loans use this program — ideal for real estate and major equipment purchases
Where Are Furniture Merchant Wholesalers SBA Loans Most Common?
Top SBA Lenders for Furniture Merchant Wholesalers
These banks have funded the most SBA loans for furniture merchant wholesalers businesses (NAICS 423210). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 120 | $9.1M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 87 | $21.2M |
| 3 | Wells Fargo Bank National Association(SD) | 78 | $29.7M |
| 4 | The Huntington National Bank(OH) | 52 | $10.1M |
| 5 | U.S. Bank, National Association(OH) | 47 | $13.7M |
Furniture Merchant Wholesalers Industry Context
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How Does SBA Lending Work for Furniture Merchant Wholesalers Businesses?
Across all SBA loan programs, 1,354 loans have been approved for businesses classified under NAICS 423210 (Furniture Merchant Wholesalers), representing $677.6M in total capital deployed. The average approved loan of $500K is 47% above avg the national SBA average of $340K, with typical repayment terms of 128 months.
SBA lending for furniture merchant wholesalers has contracted approximately 19% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 270 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 16% 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 furniture merchant wholesalers 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 — Furniture Merchant Wholesalers SBA Loans
What is the average SBA loan size for furniture merchant wholesalers businesses?
Which SBA loan program is best for a furniture merchant wholesalers business?
How many lenders fund SBA loans for furniture merchant wholesalers?
What states have the most SBA lending for furniture merchant wholesalers?
How does PeerSense help furniture merchant wholesalers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Furniture Merchant Wholesalers defined by NAICS code 423210. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.