What is the SBA loan default rate for Household Appliance Stores?

At 20.1%, Household Appliance 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. The rate is measured on the resolved loans (paid in full or charged off), loans that have reached a final outcome. 444 lenders actively fund this industry.

Which SBA program is best for Household Appliance Stores?

The SBA 7(a) program is the most commonly used for Household Appliance Stores businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 443111Retail Trade

How Much Can Household Appliance Stores Businesses Get in SBA Loans?

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1,758 SBA loans totaling $325.1M have been approved for household appliance stores businesses (NAICS 443111). The average approved SBA loan is $185K, which is 46% below avg the $340K national average. 444 active lenders fund this industry with a 20.1% default rate on the matured 2018-2021 loan cohort.

Elevated default risk20.1% vs 15.4% all industry avg

At 20.1%, Household Appliance 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. The capital source prices this risk into rate and structure.

Quick Answer

NAICS 443111 (Household Appliance Stores) received 1,758 SBA loans worth $325.1M across 5+ states. Average loan $185K, average term 122 months, 20.1% default rate (resolved loan basis).444 active SBA approved lenders fund this industry. Most household appliance stores loans use the SBA 7(a) program.

1,758

Total SBA Loans

$325.1M

Total Volume

$185K

Avg Loan Size

46% below avg

444

Active Lenders

122 mo

Avg Term

6% below avg

10,275

Jobs Supported

Which SBA Program Do Household Appliance Stores Businesses Use Most?

SBA 7(a)1,517 (86%)

SBA 504241 (14%)

What Is the Best SBA Loan for Household Appliance Stores?

SBA 7(a)

The most widely used SBA program for household appliance stores businesses: flexible terms, multiple use cases

Industry avg loan: $185K

Typical term: 122 months

Historical avg rate: 6.32%

444+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 20.1%

Where Are Household Appliance Stores SBA Loans Most Common?

200 loans

$59.5M

137 loans

$26.4M

109 loans

$13.2M

66 loans

$12.5M

62 loans

$19.5M

SBA Lending Activity in Household Appliance Stores

444 SBA lenders have funded 1,758 loans to household appliance stores businesses (NAICS 443111). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.

Loans funded

1,758

Active lenders

444

Total volume

$325.1M

Avg loan size

$185K

Browse all SBA lenders

Talk to PeerSense

PeerSense sources capital for household appliance stores businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Household Appliance Stores business.

Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.

SBA 7(a) / 504: PeerSense will reach out. No obligation.

How big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

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How Does SBA Lending Work for Household Appliance Stores Businesses?

Across all SBA loan programs, 1,758 loans have been approved for businesses classified under NAICS 443111 (Household Appliance Stores), representing $325.1M in total capital deployed. The average approved loan of $185K is 46% below avg the national SBA average of $340K, with typical repayment terms of 122 months.

SBA lending for household appliance stores has remained relatively stable across recent fiscal years. 444 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 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.

Talk to PeerSense about a household appliance stores file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: Household Appliance Stores SBA Loans

What is the average SBA loan size for household appliance stores businesses?

Based on 1,758 approved SBA loans, the average loan size for household appliance stores (NAICS 443111) is $185K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a household appliance stores business?

SBA 7(a) is the most commonly used SBA program for household appliance stores businesses. The most widely used SBA program for household appliance stores businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for household appliance stores?

444 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a household appliance stores file.

What states have the most SBA lending for household appliance stores?

CA leads with 200 SBA loans and $59.5M in total volume for household appliance stores businesses. TX, NY, MN also show strong lending activity in this sector.

How does PeerSense help household appliance stores businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a household appliance stores file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

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Data aggregated from SBA loan records (1992 to 2025). Household Appliance Stores defined by NAICS code 443111. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.