How Much Can Hardware Wholesalers Businesses Get in SBA Loans?
136 SBA loans totaling $50.2M have been approved for hardware wholesalers businesses (NAICS 421710). The average approved SBA loan is $369K, which is 8% above avg the $340K national average. 73 active lenders fund this industry with a 14.4% default rate on the matured 2018-2021 loan cohort.
At 14.4%, Hardware 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 421710 (Hardware Wholesalers) received 136 SBA loans worth $50.2M across 5+ states. Average loan $369K, average term 131 months, 14.4% default rate (resolved-loan basis).73 active SBA-approved lenders fund this industry. Most hardware 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 Hardware Wholesalers Businesses Use Most?
What Is the Best SBA Loan for Hardware Wholesalers?
The most widely used SBA program for hardware wholesalers businesses — flexible terms, multiple use cases
Where Are Hardware Wholesalers SBA Loans Most Common?
Top SBA Lenders for Hardware Wholesalers
These banks have funded the most SBA loans for hardware wholesalers businesses (NAICS 421710). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 13 | $1.4M |
| 2 | Zions Bank, A Division of(UT) | 9 | $3.1M |
| 3 | Citizens Bank, National Association(RI) | 5 | $628K |
| 4 | Citibank, N.A.(SD) | 4 | $725K |
| 5 | Southland Economic Developmen(CA) | 4 | $1.4M |
Hardware Wholesalers Industry Context
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How Does SBA Lending Work for Hardware Wholesalers Businesses?
Across all SBA loan programs, 136 loans have been approved for businesses classified under NAICS 421710 (Hardware Wholesalers), representing $50.2M in total capital deployed. The average approved loan of $369K is 8% above avg the national SBA average of $340K, with typical repayment terms of 131 months.
SBA lending for hardware wholesalers has remained relatively stable across recent fiscal years. 73 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
Notably, 23% of SBA loans in this industry use the 504 program — well above the national average — indicating that hardware wholesalers businesses frequently finance major fixed assets like real estate, heavy equipment, or facility buildouts. The 504 program offers up to $5.5M with below-market fixed rates and only 10% down from the borrower.
PeerSense specializes in matching hardware 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 — Hardware Wholesalers SBA Loans
What is the average SBA loan size for hardware wholesalers businesses?
Which SBA loan program is best for a hardware wholesalers business?
How many lenders fund SBA loans for hardware wholesalers?
What states have the most SBA lending for hardware wholesalers?
How does PeerSense help hardware wholesalers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Hardware Wholesalers defined by NAICS code 421710. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.