How Much Can Hobby, Toy, and Game Stores Businesses Get in SBA Loans?
3,607 SBA loans totaling $470.0M have been approved for hobby, toy, and game stores businesses (NAICS 451120). The average approved SBA loan is $130K, which is 62% below avg the $340K national average. 646 active lenders fund this industry with a 22.3% default rate on the matured 2018-2021 loan cohort.
At 22.3%, Hobby, Toy, and Game 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 451120 (Hobby, Toy, and Game Stores) received 3,607 SBA loans worth $470.0M across 5+ states. Average loan $130K, average term 93 months, 22.3% default rate (resolved-loan basis).646 active SBA-approved lenders fund this industry. Most hobby, toy, and game stores loans use the SBA 7(a) program. There are approximately 8,471 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Hobby, Toy, and Game Stores?-81% decline
Which SBA Program Do Hobby, Toy, and Game Stores Businesses Use Most?
What Is the Best SBA Loan for Hobby, Toy, and Game Stores?
The most widely used SBA program for hobby, toy, and game stores businesses — flexible terms, multiple use cases
Where Are Hobby, Toy, and Game Stores SBA Loans Most Common?
Top SBA Lenders for Hobby, Toy, and Game Stores
These banks have funded the most SBA loans for hobby, toy, and game stores businesses (NAICS 451120). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 295 | $41.0M |
| 2 | Bank of America, National Association(NC) | 219 | $13.1M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 183 | $16.7M |
| 4 | U.S. Bank, National Association(OH) | 151 | $19.6M |
| 5 | Citizens Bank, National Association(RI) | 144 | $5.9M |
Hobby, Toy, and Game Stores Industry Context
Ready to Fund Your Hobby, Toy, and Game Stores Business?
PeerSense places SBA loans for hobby, toy, and game 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
Financing a Hobby, Toy, and Game Stores business? Get matched to an SBA lender.
Tell us your loan amount and use of funds. We route you to the lender most likely to fund a deal in your industry.
SBA 7(a) / 504 — Response within 4 business hours. No obligation.
How Does SBA Lending Work for Hobby, Toy, and Game Stores Businesses?
Across all SBA loan programs, 3,607 loans have been approved for businesses classified under NAICS 451120 (Hobby, Toy, and Game Stores), representing $470.0M in total capital deployed. The average approved loan of $130K is 62% below avg the national SBA average of $340K, with typical repayment terms of 93 months.
SBA lending for hobby, toy, and game stores has contracted approximately 81% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 646 lenders remain active, maintaining competitive options for qualified borrowers.
The overwhelming majority of SBA lending for hobby, toy, and game 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 hobby, toy, and game 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 — Hobby, Toy, and Game Stores SBA Loans
What is the average SBA loan size for hobby, toy, and game stores businesses?
Which SBA loan program is best for a hobby, toy, and game stores business?
How many lenders fund SBA loans for hobby, toy, and game stores?
What states have the most SBA lending for hobby, toy, and game stores?
How does PeerSense help hobby, toy, and game stores businesses get SBA loans?
Related Retail Trade Industries
All Other Miscellaneous Store Retailers (except Tobacco Stores)
Sporting Goods Stores
Gift, Novelty, and Souvenir Stores
Florists
All Other General Merchandise Stores
Other Direct Selling Establishments
Data aggregated from SBA loan records (1992–2025). Hobby, Toy, and Game Stores defined by NAICS code 451120. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.