How Much Can Furniture Stores Businesses Get in SBA Loans?
6,203 SBA loans totaling $2.3B have been approved for furniture stores businesses (NAICS 442110). The average approved SBA loan is $368K, which is 8% above avg the $340K national average. 843 active lenders fund this industry with a 24.2% default rate on the matured 2018-2021 loan cohort.
At 24.2%, Furniture 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 442110 (Furniture Stores) received 6,203 SBA loans worth $2.3B across 5+ states. Average loan $368K, average term 127 months, 24.2% default rate (resolved-loan basis).843 active SBA-approved lenders fund this industry. Most furniture stores loans use the SBA 7(a) program. There are approximately 22,286 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Furniture Stores?-94% decline
Which SBA Program Do Furniture Stores Businesses Use Most?
What Is the Best SBA Loan for Furniture Stores?
The most widely used SBA program for furniture stores businesses — flexible terms, multiple use cases
Where Are Furniture Stores SBA Loans Most Common?
Top SBA Lenders for Furniture Stores
These banks have funded the most SBA loans for furniture stores businesses (NAICS 442110). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 479 | $36.7M |
| 2 | Wells Fargo Bank National Association(SD) | 406 | $162.4M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 284 | $33.8M |
| 4 | U.S. Bank, National Association(OH) | 238 | $100.4M |
| 5 | Citizens Bank, National Association(RI) | 234 | $10.0M |
Furniture Stores Industry Context
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How Does SBA Lending Work for Furniture Stores Businesses?
Across all SBA loan programs, 6,203 loans have been approved for businesses classified under NAICS 442110 (Furniture Stores), representing $2.3B in total capital deployed. The average approved loan of $368K is 8% above avg the national SBA average of $340K, with typical repayment terms of 127 months.
SBA lending for furniture stores has contracted approximately 94% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 843 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 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 — Furniture Stores SBA Loans
What is the average SBA loan size for furniture stores businesses?
Which SBA loan program is best for a furniture stores business?
How many lenders fund SBA loans for furniture stores?
What states have the most SBA lending for furniture stores?
How does PeerSense help furniture stores businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Furniture Stores defined by NAICS code 442110. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.