How Much Can Industrial and Personal Service Paper Merchant Wholesalers Businesses Get in SBA Loans?
496 SBA loans totaling $272.0M have been approved for industrial and personal service paper merchant wholesalers businesses (NAICS 424130). The average approved SBA loan is $548K, which is 61% above avg the $340K national average. 171 active lenders fund this industry with a 14.1% default rate on the matured 2018-2021 loan cohort.
At 14.1%, Industrial and Personal Service Paper Merchant 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 424130 (Industrial and Personal Service Paper Merchant Wholesalers) received 496 SBA loans worth $272.0M across 5+ states. Average loan $548K, average term 118 months, 14.1% default rate (resolved-loan basis).171 active SBA-approved lenders fund this industry. Most industrial and personal service paper merchant wholesalers loans use the SBA 504 program. There are approximately 3,858 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Industrial and Personal Service Paper Merchant Wholesalers?+38% growth
Which SBA Program Do Industrial and Personal Service Paper Merchant Wholesalers Businesses Use Most?
What Is the Best SBA Loan for Industrial and Personal Service Paper Merchant Wholesalers?
14% of industrial and personal service paper merchant wholesalers loans use this program — ideal for real estate and major equipment purchases
Where Are Industrial and Personal Service Paper Merchant Wholesalers SBA Loans Most Common?
Top SBA Lenders for Industrial and Personal Service Paper Merchant Wholesalers
These banks have funded the most SBA loans for industrial and personal service paper merchant wholesalers businesses (NAICS 424130). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | TD Bank, National Association(DE) | 38 | $11.0M |
| 2 | Wells Fargo Bank National Association(SD) | 32 | $11.6M |
| 3 | Bank of America, National Association(NC) | 31 | $2.8M |
| 4 | JPMorgan Chase Bank, National Association(OH) | 28 | $5.2M |
| 5 | U.S. Bank, National Association(OH) | 23 | $11.6M |
Industrial and Personal Service Paper Merchant Wholesalers Industry Context
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How Does SBA Lending Work for Industrial and Personal Service Paper Merchant Wholesalers Businesses?
Across all SBA loan programs, 496 loans have been approved for businesses classified under NAICS 424130 (Industrial and Personal Service Paper Merchant Wholesalers), representing $272.0M in total capital deployed. The average approved loan of $548K is 61% above avg the national SBA average of $340K, with typical repayment terms of 118 months.
SBA lending for industrial and personal service paper merchant wholesalers is accelerating — loan volume has grown approximately 38% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2016.
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 industrial and personal service paper 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 — Industrial and Personal Service Paper Merchant Wholesalers SBA Loans
What is the average SBA loan size for industrial and personal service paper merchant wholesalers businesses?
Which SBA loan program is best for a industrial and personal service paper merchant wholesalers business?
How many lenders fund SBA loans for industrial and personal service paper merchant wholesalers?
What states have the most SBA lending for industrial and personal service paper merchant wholesalers?
How does PeerSense help industrial and personal service paper merchant wholesalers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Industrial and Personal Service Paper Merchant Wholesalers defined by NAICS code 424130. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.