How Much Can All Other General Merchandise Retailers Businesses Get in SBA Loans?
281 SBA loans totaling $101.9M have been approved for all other general merchandise retailers businesses (NAICS 452319). The average approved SBA loan is $363K, which is 6% above avg the $340K national average. 114 active lenders fund this industry with a 11.3% default rate on the matured 2018-2021 loan cohort.
At 11.3%, All Other General Merchandise Retailers 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 452319 (All Other General Merchandise Retailers) received 281 SBA loans worth $101.9M across 5+ states. Average loan $363K, average term 140 months, 11.3% default rate (resolved-loan basis).114 active SBA-approved lenders fund this industry. Most all other general merchandise retailers loans use the SBA 7(a) program. There are approximately 47,634 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for All Other General Merchandise Retailers?-67% decline
Which SBA Program Do All Other General Merchandise Retailers Businesses Use Most?
What Is the Best SBA Loan for All Other General Merchandise Retailers?
The most widely used SBA program for all other general merchandise retailers businesses — flexible terms, multiple use cases
Where Are All Other General Merchandise Retailers SBA Loans Most Common?
Top SBA Lenders for All Other General Merchandise Retailers
These banks have funded the most SBA loans for all other general merchandise retailers businesses (NAICS 452319). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 33 | $4.4M |
| 2 | Wells Fargo Bank National Association(SD) | 28 | $4.7M |
| 3 | TD Bank, National Association(DE) | 13 | $1.2M |
| 4 | U.S. Bank, National Association(OH) | 12 | $1.0M |
| 5 | Bank of Hope(CA) | 11 | $4.5M |
All Other General Merchandise Retailers Industry Context
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How Does SBA Lending Work for All Other General Merchandise Retailers Businesses?
Across all SBA loan programs, 281 loans have been approved for businesses classified under NAICS 452319 (All Other General Merchandise Retailers), representing $101.9M in total capital deployed. The average approved loan of $363K is 6% above avg the national SBA average of $340K, with typical repayment terms of 140 months.
SBA lending for all other general merchandise retailers has contracted approximately 67% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 114 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 6% 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 all other general merchandise 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 — All Other General Merchandise Retailers SBA Loans
What is the average SBA loan size for all other general merchandise retailers businesses?
Which SBA loan program is best for a all other general merchandise retailers business?
How many lenders fund SBA loans for all other general merchandise retailers?
What states have the most SBA lending for all other general merchandise retailers?
How does PeerSense help all other general merchandise retailers businesses get SBA loans?
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All Other General Merchandise Stores
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Data aggregated from SBA loan records (1992–2025). All Other General Merchandise Retailers defined by NAICS code 452319. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.