8,713 SBA loans totaling $1.0B have been approved for gift, novelty, and souvenir stores businesses (NAICS 453220). The average approved SBA loan is $117K, which is 66% below avg the $340K national average. 1046 active lenders fund this industry with a 19.5% historical default rate.
The most widely used SBA program for gift, novelty, and souvenir stores businesses — flexible terms, multiple use cases
PeerSense places SBA loans for gift, novelty, and souvenir stores businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Across all SBA loan programs, 8,713 loans have been approved for businesses classified under NAICS 453220 (Gift, Novelty, and Souvenir Stores), representing $1.0B in total capital deployed. The average approved loan of $117K is 66% below avg the national SBA average of $340K, with typical repayment terms of 93 months.
SBA lending for gift, novelty, and souvenir stores has contracted approximately 79% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 1046 lenders remain active, maintaining competitive options for qualified borrowers.
The overwhelming majority of SBA lending for gift, novelty, and souvenir stores 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 gift, novelty, and souvenir 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.
All Other Miscellaneous Store Retailers (except Tobacco Stores)
Sporting Goods Stores
Florists
All Other General Merchandise Stores
Other Direct Selling Establishments
Vending Machine Operators
Data aggregated from SBA loan records (1992–2025). Gift, Novelty, and Souvenir Stores defined by NAICS code 453220. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.