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NAICS 445131Retail TradeLending Growing

How Much Can Dairy Product Retailers Businesses Get in SBA Loans?

974 SBA loans totaling $460.6M have been approved for dairy product retailers businesses (NAICS 445131). The average approved SBA loan is $473K, which is 39% above avg the $340K national average. 222 active lenders fund this industry.

Quick Answer

NAICS 445131 (Dairy Product Retailers) received 974 SBA loans worth $460.6M across 5+ states. Average loan $473K, average term 175 months.222 active SBA-approved lenders fund this industry. Most dairy product retailers loans use the SBA 7(a) program.

974
Total SBA Loans
$460.6M
Total Volume
$473K
Avg Loan Size
39% above avg
222
Active Lenders
175 mo
Avg Term
35% above avg
4,877
Jobs Supported

Is SBA Lending Growing for Dairy Product Retailers?+38% growth

1
112
224
274
308
17
22
23
24
25
$2.2M
$50.4M
$116.3M
$115.5M
$147.3M

Which SBA Program Do Dairy Product Retailers Businesses Use Most?

SBA 7(a)922 (95%)
SBA 50452 (5%)

What Is the Best SBA Loan for Dairy Product Retailers?

SBA 7(a)

The most widely used SBA program for dairy product retailers businesses — flexible terms, multiple use cases

Industry avg loan: $473K
Typical term: 175 months
Historical avg rate: 9.71%
222+ lenders active in this industry

Where Are Dairy Product Retailers SBA Loans Most Common?

#1
CA
179 loans
$98.8M
#2
WA
98 loans
$83.8M
#3
OH
75 loans
$21.1M
#4
TX
66 loans
$54.0M
#5
MI
55 loans
$18.0M

Top SBA Lenders for Dairy Product Retailers

These banks have funded the most SBA loans for dairy product retailers businesses (NAICS 445131). PeerSense routes deals to lenders with proven appetite in your industry.

#LenderLoansVolume
1The Huntington National Bank(OH)81$14.1M
2Commonwealth Business Bank(CA)44$25.0M
3TD Bank, National Association(DE)39$3.8M
4Manufacturers and Traders Trust Company(NY)38$3.0M
5Northeast Bank(ME)35$6.1M

Dairy Product Retailers Industry Context

U.S. Employment
28,615,000
BLS · 2026

Ready to Fund Your Dairy Product Retailers Business?

PeerSense places SBA loans for dairy product retailers businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.

$0

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Financing a Dairy Product Retailers business? Get matched to an SBA lender.

Tell us your loan amount and use of funds. We route you to the lender most likely to fund a deal in your industry.

SBA 7(a) / 504 — Response within 4 business hours. No obligation.

No retainers · Referral fee at closing · Or call (317) 452-6990

How Does SBA Lending Work for Dairy Product Retailers Businesses?

Across all SBA loan programs, 974 loans have been approved for businesses classified under NAICS 445131 (Dairy Product Retailers), representing $460.6M in total capital deployed. The average approved loan of $473K is 39% above avg the national SBA average of $340K, with typical repayment terms of 175 months.

SBA lending for dairy product retailers 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 FY2025.

The industry sees a balanced mix of SBA programs, with 5% 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 dairy product 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 — Dairy Product Retailers SBA Loans

What is the average SBA loan size for dairy product retailers businesses?
Based on 974 approved SBA loans, the average loan size for dairy product retailers (NAICS 445131) is $473K. This compares to the national SBA average of $340K across all industries.
Which SBA loan program is best for a dairy product retailers business?
SBA 7(a) is the most commonly used SBA program for dairy product retailers businesses. The most widely used SBA program for dairy product retailers businesses — flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.
How many lenders fund SBA loans for dairy product retailers?
222 different SBA-approved lenders have funded loans in this industry. Not all lenders are equally active in every industry — PeerSense matches your deal with lenders who have experience and appetite in the dairy product retailers sector.
What states have the most SBA lending for dairy product retailers?
CA leads with 179 SBA loans and $98.8M in total volume for dairy product retailers businesses. WA, OH, TX also show strong lending activity in this sector.
How does PeerSense help dairy product retailers businesses get SBA loans?
PeerSense is a capital advisory firm — not a lender. We analyze your deal (loan amount, down payment, business financials) and match you with SBA-approved lenders experienced in the dairy product retailers industry. Our referral fee is established upfront in our agreement and paid at closing. No retainers.

Data aggregated from SBA loan records (1992–2025). Dairy Product Retailers defined by NAICS code 445131. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.