How Much Can Hardware Retailers Businesses Get in SBA Loans?
496 SBA loans totaling $420.7M have been approved for hardware retailers businesses (NAICS 444140). The average approved SBA loan is $848K, which is 149% above avg the $340K national average. 179 active lenders fund this industry.
NAICS 444140 (Hardware Retailers) received 496 SBA loans worth $420.7M across 5+ states. Average loan $848K, average term 171 months.179 active SBA-approved lenders fund this industry. Most hardware retailers loans use the SBA 504 program.
Is SBA Lending Growing for Hardware Retailers?+47% growth
Which SBA Program Do Hardware Retailers Businesses Use Most?
What Is the Best SBA Loan for Hardware Retailers?
12% of hardware retailers loans use this program — ideal for real estate and major equipment purchases
Where Are Hardware Retailers SBA Loans Most Common?
Top SBA Lenders for Hardware Retailers
These banks have funded the most SBA loans for hardware retailers businesses (NAICS 444140). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Live Oak Banking Company(NC) | 86 | $128.0M |
| 2 | The Huntington National Bank(OH) | 28 | $10.4M |
| 3 | Wells Fargo Bank National Association(SD) | 18 | $14.4M |
| 4 | Northeast Bank(ME) | 16 | $2.6M |
| 5 | Byline Bank(IL) | 13 | $18.0M |
Ready to Fund Your Hardware Retailers Business?
PeerSense places SBA loans for hardware retailers 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 Hardware Retailers Businesses?
Across all SBA loan programs, 496 loans have been approved for businesses classified under NAICS 444140 (Hardware Retailers), representing $420.7M in total capital deployed. The average approved loan of $848K is 149% above avg the national SBA average of $340K, with typical repayment terms of 171 months.
SBA lending for hardware retailers is accelerating — loan volume has grown approximately 47% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.
The industry sees a balanced mix of SBA programs, with 12% 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 hardware retailers 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 — Hardware Retailers SBA Loans
What is the average SBA loan size for hardware retailers businesses?
Which SBA loan program is best for a hardware retailers business?
How many lenders fund SBA loans for hardware retailers?
What states have the most SBA lending for hardware retailers?
How does PeerSense help hardware retailers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Hardware Retailers defined by NAICS code 444140. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.