How Much Can Furniture Wholesalers Businesses Get in SBA Loans?
233 SBA loans totaling $87.1M have been approved for furniture wholesalers businesses (NAICS 421210). The average approved SBA loan is $374K, which is 10% above avg the $340K national average. 87 active lenders fund this industry with a 14.7% default rate on the matured 2018-2021 loan cohort.
At 14.7%, Furniture Wholesalers sits below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — moderate 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 421210 (Furniture Wholesalers) received 233 SBA loans worth $87.1M across 5+ states. Average loan $374K, average term 134 months, 14.7% default rate (resolved-loan basis).87 active SBA-approved lenders fund this industry. Most furniture wholesalers loans use the SBA 7(a) program. There are approximately 388,706 U.S. establishments in this industry (Census 2022).
Which SBA Program Do Furniture Wholesalers Businesses Use Most?
What Is the Best SBA Loan for Furniture Wholesalers?
The most widely used SBA program for furniture wholesalers businesses — flexible terms, multiple use cases
Where Are Furniture Wholesalers SBA Loans Most Common?
Top SBA Lenders for Furniture Wholesalers
These banks have funded the most SBA loans for furniture wholesalers businesses (NAICS 421210). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 28 | $1.7M |
| 2 | Wells Fargo Bank National Association(SD) | 17 | $6.9M |
| 3 | U.S. Bank, National Association(OH) | 13 | $13.4M |
| 4 | CDC Small Business Finance Cor(CA) | 10 | $6.2M |
| 5 | Citibank, N.A.(SD) | 8 | $390K |
Furniture Wholesalers Industry Context
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How Does SBA Lending Work for Furniture Wholesalers Businesses?
Across all SBA loan programs, 233 loans have been approved for businesses classified under NAICS 421210 (Furniture Wholesalers), representing $87.1M in total capital deployed. The average approved loan of $374K is 10% above avg the national SBA average of $340K, with typical repayment terms of 134 months.
SBA lending for furniture wholesalers has remained relatively stable across recent fiscal years. 87 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The industry sees a balanced mix of SBA programs, with 17% 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 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 Wholesalers SBA Loans
What is the average SBA loan size for furniture wholesalers businesses?
Which SBA loan program is best for a furniture wholesalers business?
How many lenders fund SBA loans for furniture wholesalers?
What states have the most SBA lending for furniture wholesalers?
How does PeerSense help furniture wholesalers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Furniture Wholesalers defined by NAICS code 421210. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.