How Much Can Household Appliance Stores Businesses Get in SBA Loans?
345 SBA loans totaling $159.3M have been approved for household appliance stores businesses (NAICS 443141). The average approved SBA loan is $462K, which is 36% above avg the $340K national average. 144 active lenders fund this industry with a 7.1% default rate on the matured 2018-2021 loan cohort.
At 7.1%, Household Appliance Stores sits well below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — low 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 443141 (Household Appliance Stores) received 345 SBA loans worth $159.3M across 5+ states. Average loan $462K, average term 149 months, 7.1% default rate (resolved-loan basis).144 active SBA-approved lenders fund this industry. Most household appliance stores loans use the SBA 7(a) program. There are approximately 5,569 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Household Appliance Stores?-93% decline
Which SBA Program Do Household Appliance Stores Businesses Use Most?
What Is the Best SBA Loan for Household Appliance Stores?
The most widely used SBA program for household appliance stores businesses — flexible terms, multiple use cases
Where Are Household Appliance Stores SBA Loans Most Common?
Top SBA Lenders for Household Appliance Stores
These banks have funded the most SBA loans for household appliance stores businesses (NAICS 443141). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 24 | $1.8M |
| 2 | U.S. Bank, National Association(OH) | 19 | $4.5M |
| 3 | Wells Fargo Bank National Association(SD) | 19 | $6.2M |
| 4 | JPMorgan Chase Bank, National Association(OH) | 14 | $3.8M |
| 5 | TD Bank, National Association(DE) | 10 | $2.5M |
Household Appliance Stores Industry Context
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How Does SBA Lending Work for Household Appliance Stores Businesses?
Across all SBA loan programs, 345 loans have been approved for businesses classified under NAICS 443141 (Household Appliance Stores), representing $159.3M in total capital deployed. The average approved loan of $462K is 36% above avg the national SBA average of $340K, with typical repayment terms of 149 months.
SBA lending for household appliance stores has contracted approximately 93% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 144 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 15% 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 household appliance 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 — Household Appliance Stores SBA Loans
What is the average SBA loan size for household appliance stores businesses?
Which SBA loan program is best for a household appliance stores business?
How many lenders fund SBA loans for household appliance stores?
What states have the most SBA lending for household appliance stores?
How does PeerSense help household appliance stores businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Household Appliance Stores defined by NAICS code 443141. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.