How Much Can Home Furnishing Wholesalers Businesses Get in SBA Loans?
252 SBA loans totaling $98.1M have been approved for home furnishing wholesalers businesses (NAICS 421220). The average approved SBA loan is $389K, which is 14% above avg the $340K national average. 100 active lenders fund this industry with a 15.3% default rate on the matured 2018-2021 loan cohort.
At 15.3%, Home Furnishing 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 421220 (Home Furnishing Wholesalers) received 252 SBA loans worth $98.1M across 5+ states. Average loan $389K, average term 136 months, 15.3% default rate (resolved-loan basis).100 active SBA-approved lenders fund this industry. Most home furnishing 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 Home Furnishing Wholesalers Businesses Use Most?
What Is the Best SBA Loan for Home Furnishing Wholesalers?
The most widely used SBA program for home furnishing wholesalers businesses — flexible terms, multiple use cases
Where Are Home Furnishing Wholesalers SBA Loans Most Common?
Top SBA Lenders for Home Furnishing Wholesalers
These banks have funded the most SBA loans for home furnishing wholesalers businesses (NAICS 421220). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 33 | $2.9M |
| 2 | U.S. Bank, National Association(OH) | 17 | $12.1M |
| 3 | Wells Fargo Bank National Association(SD) | 12 | $4.1M |
| 4 | California Statewide Certified(CA) | 10 | $7.7M |
| 5 | JPMorgan Chase Bank, National Association(OH) | 8 | $858K |
Home Furnishing Wholesalers Industry Context
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How Does SBA Lending Work for Home Furnishing Wholesalers Businesses?
Across all SBA loan programs, 252 loans have been approved for businesses classified under NAICS 421220 (Home Furnishing Wholesalers), representing $98.1M in total capital deployed. The average approved loan of $389K is 14% above avg the national SBA average of $340K, with typical repayment terms of 136 months.
SBA lending for home furnishing wholesalers has remained relatively stable across recent fiscal years. 100 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The industry sees a balanced mix of SBA programs, with 18% 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 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 Wholesalers SBA Loans
What is the average SBA loan size for home furnishing wholesalers businesses?
Which SBA loan program is best for a home furnishing wholesalers business?
How many lenders fund SBA loans for home furnishing wholesalers?
What states have the most SBA lending for home furnishing wholesalers?
How does PeerSense help home furnishing wholesalers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Home Furnishing Wholesalers defined by NAICS code 421220. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.