How Much Can Home Centers Businesses Get in SBA Loans?
779 SBA loans totaling $349.5M have been approved for home centers businesses (NAICS 444110). The average approved SBA loan is $449K, which is 32% above avg the $340K national average. 300 active lenders fund this industry with a 22.6% default rate on the matured 2018-2021 loan cohort.
At 22.6%, Home Centers 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 444110 (Home Centers) received 779 SBA loans worth $349.5M across 5+ states. Average loan $449K, average term 135 months, 22.6% default rate (resolved-loan basis).300 active SBA-approved lenders fund this industry. Most home centers loans use the SBA 7(a) program. There are approximately 6,038 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Home Centers?-13% decline
Which SBA Program Do Home Centers Businesses Use Most?
What Is the Best SBA Loan for Home Centers?
The most widely used SBA program for home centers businesses — flexible terms, multiple use cases
Where Are Home Centers SBA Loans Most Common?
Top SBA Lenders for Home Centers
These banks have funded the most SBA loans for home centers businesses (NAICS 444110). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of Hope(CA) | 42 | $485K |
| 2 | Wells Fargo Bank National Association(SD) | 31 | $14.8M |
| 3 | Bank of America, National Association(NC) | 30 | $2.3M |
| 4 | U.S. Bank, National Association(OH) | 29 | $4.4M |
| 5 | JPMorgan Chase Bank, National Association(OH) | 25 | $6.5M |
Home Centers Industry Context
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How Does SBA Lending Work for Home Centers Businesses?
Across all SBA loan programs, 779 loans have been approved for businesses classified under NAICS 444110 (Home Centers), representing $349.5M in total capital deployed. The average approved loan of $449K is 32% above avg the national SBA average of $340K, with typical repayment terms of 135 months.
SBA lending for home centers has contracted approximately 13% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 300 lenders remain active, maintaining competitive options for qualified borrowers.
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 home centers 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 — Home Centers SBA Loans
What is the average SBA loan size for home centers businesses?
Which SBA loan program is best for a home centers business?
How many lenders fund SBA loans for home centers?
What states have the most SBA lending for home centers?
How does PeerSense help home centers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Home Centers defined by NAICS code 444110. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.