How Much Can Home Furnishing Merchant Wholesalers Businesses Get in SBA Loans?
1,568 SBA loans totaling $662.8M have been approved for home furnishing merchant wholesalers businesses (NAICS 423220). The average approved SBA loan is $423K, which is 24% above avg the $340K national average. 329 active lenders fund this industry with a 23.3% default rate on the matured 2018-2021 loan cohort.
At 23.3%, Home Furnishing Merchant Wholesalers 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 423220 (Home Furnishing Merchant Wholesalers) received 1,568 SBA loans worth $662.8M across 5+ states. Average loan $423K, average term 121 months, 23.3% default rate (resolved-loan basis).329 active SBA-approved lenders fund this industry. Most home furnishing merchant wholesalers loans use the SBA 7(a) program.
Is SBA Lending Growing for Home Furnishing Merchant Wholesalers?+23% growth
Which SBA Program Do Home Furnishing Merchant Wholesalers Businesses Use Most?
What Is the Best SBA Loan for Home Furnishing Merchant Wholesalers?
The most widely used SBA program for home furnishing merchant wholesalers businesses — flexible terms, multiple use cases
Where Are Home Furnishing Merchant Wholesalers SBA Loans Most Common?
Top SBA Lenders for Home Furnishing Merchant Wholesalers
These banks have funded the most SBA loans for home furnishing merchant wholesalers businesses (NAICS 423220). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 149 | $11.1M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 115 | $22.3M |
| 3 | Wells Fargo Bank National Association(SD) | 77 | $26.1M |
| 4 | TD Bank, National Association(DE) | 59 | $6.4M |
| 5 | U.S. Bank, National Association(OH) | 52 | $10.3M |
Ready to Fund Your Home Furnishing Merchant Wholesalers Business?
PeerSense places SBA loans for home furnishing merchant wholesalers businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
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How Does SBA Lending Work for Home Furnishing Merchant Wholesalers Businesses?
Across all SBA loan programs, 1,568 loans have been approved for businesses classified under NAICS 423220 (Home Furnishing Merchant Wholesalers), representing $662.8M in total capital deployed. The average approved loan of $423K is 24% above avg the national SBA average of $340K, with typical repayment terms of 121 months.
SBA lending for home furnishing merchant wholesalers is accelerating — loan volume has grown approximately 23% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2024.
The industry sees a balanced mix of SBA programs, with 14% 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 furnishing merchant 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 — Home Furnishing Merchant Wholesalers SBA Loans
What is the average SBA loan size for home furnishing merchant wholesalers businesses?
Which SBA loan program is best for a home furnishing merchant wholesalers business?
How many lenders fund SBA loans for home furnishing merchant wholesalers?
What states have the most SBA lending for home furnishing merchant wholesalers?
How does PeerSense help home furnishing merchant wholesalers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Home Furnishing Merchant Wholesalers defined by NAICS code 423220. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.