What is the SBA loan default rate for Pharmacies and Drug Retailers?

224 lenders actively fund Pharmacies and Drug Retailers. A reliable default rate is shown only for industries with a large enough matured loan cohort; this one is below that threshold, so we do not publish a figure that would mislead.

Which SBA program is best for Pharmacies and Drug Retailers?

The SBA 7(a) program is the most commonly used for Pharmacies and Drug Retailers businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 456110Retail TradeLending Growing

How Much Can Pharmacies and Drug Retailers Businesses Get in SBA Loans?

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1,038 SBA loans totaling $722.2M have been approved for pharmacies and drug retailers businesses (NAICS 456110). The average approved SBA loan is $696K, which is 104% above avg the $340K national average. 224 active lenders fund this industry.

Quick Answer

NAICS 456110 (Pharmacies and Drug Retailers) received 1,038 SBA loans worth $722.2M across 5+ states. Average loan $696K, average term 138 months.224 active SBA approved lenders fund this industry. Most pharmacies and drug retailers loans use the SBA 7(a) program.

1,038

Total SBA Loans

$722.2M

Total Volume

$696K

Avg Loan Size

104% above avg

224

Active Lenders

138 mo

Avg Term

6% above avg

9,550

Jobs Supported

Is SBA Lending Growing for Pharmacies and Drug Retailers?+36% growth

251

301

342

$493K

$73.8M

$189.4M

$192.6M

$232.5M

Which SBA Program Do Pharmacies and Drug Retailers Businesses Use Most?

SBA 7(a)987 (95%)

SBA 50451 (5%)

What Is the Best SBA Loan for Pharmacies and Drug Retailers?

SBA 7(a)

The most widely used SBA program for pharmacies and drug retailers businesses: flexible terms, multiple use cases

Industry avg loan: $696K

Typical term: 138 months

Historical avg rate: 9.92%

224+ lenders active in this industry

Where Are Pharmacies and Drug Retailers SBA Loans Most Common?

142 loans

$122.7M

96 loans

$41.9M

73 loans

$58.6M

63 loans

$11.6M

58 loans

$38.2M

SBA Lending Activity in Pharmacies and Drug Retailers

224 SBA lenders have funded 1,038 loans to pharmacies and drug retailers businesses (NAICS 456110). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.

Loans funded

1,038

Active lenders

224

Total volume

$722.2M

Avg loan size

$696K

Browse all SBA lenders

Talk to PeerSense

PeerSense sources capital for pharmacies and drug retailers businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Pharmacies and Drug Retailers business.

Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.

SBA 7(a) / 504: PeerSense will reach out. No obligation.

How big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

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Referral fee realized at closing · Or call (317) 452 6990

How Does SBA Lending Work for Pharmacies and Drug Retailers Businesses?

Across all SBA loan programs, 1,038 loans have been approved for businesses classified under NAICS 456110 (Pharmacies and Drug Retailers), representing $722.2M in total capital deployed. The average approved loan of $696K is 104% above avg the national SBA average of $340K, with typical repayment terms of 138 months.

SBA lending for pharmacies and drug retailers is accelerating. Loan volume has grown approximately 36% 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 overwhelming majority of SBA lending for pharmacies and drug retailers uses the 7(a) program, which provides the most flexibility, covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.

Talk to PeerSense about a pharmacies and drug retailers file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: Pharmacies and Drug Retailers SBA Loans

What is the average SBA loan size for pharmacies and drug retailers businesses?

Based on 1,038 approved SBA loans, the average loan size for pharmacies and drug retailers (NAICS 456110) is $696K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a pharmacies and drug retailers business?

SBA 7(a) is the most commonly used SBA program for pharmacies and drug retailers businesses. The most widely used SBA program for pharmacies and drug 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 pharmacies and drug retailers?

224 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a pharmacies and drug retailers file.

What states have the most SBA lending for pharmacies and drug retailers?

CA leads with 142 SBA loans and $122.7M in total volume for pharmacies and drug retailers businesses. NY, TX, PR also show strong lending activity in this sector.

How does PeerSense help pharmacies and drug retailers businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a pharmacies and drug retailers file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Retail Trade Industries

All Other Miscellaneous Store Retailers (except Tobacco Stores)

11,465 loans · N/A

Avg: $171K

Sporting Goods Stores

10,775 loans · N/A

Avg: $198K

Gift, Novelty, and Souvenir Stores

Florists

All Other General Merchandise Stores

4,265 loans · N/A

Avg: $154K

Other Direct Selling Establishments

3,977 loans · N/A

Avg: $287K

Data aggregated from SBA loan records (1992 to 2025). Pharmacies and Drug Retailers defined by NAICS code 456110. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.