How Much Can Clothing and Clothing Accessories Retailers Businesses Get in SBA Loans?
2,125 SBA loans totaling $642.6M have been approved for clothing and clothing accessories retailers businesses (NAICS 458110). The average approved SBA loan is $302K, which is 11% below avg the $340K national average. 376 active lenders fund this industry with a 24.8% default rate on the matured 2018-2021 loan cohort.
At 24.8%, Clothing and Clothing Accessories Retailers sits well above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — elevated 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 458110 (Clothing and Clothing Accessories Retailers) received 2,125 SBA loans worth $642.6M across 5+ states. Average loan $302K, average term 129 months, 24.8% default rate (resolved-loan basis).376 active SBA-approved lenders fund this industry. Most clothing and clothing accessories retailers loans use the SBA 7(a) program.
Is SBA Lending Growing for Clothing and Clothing Accessories Retailers?+57% growth
Which SBA Program Do Clothing and Clothing Accessories Retailers Businesses Use Most?
What Is the Best SBA Loan for Clothing and Clothing Accessories Retailers?
The most widely used SBA program for clothing and clothing accessories retailers businesses — flexible terms, multiple use cases
Where Are Clothing and Clothing Accessories Retailers SBA Loans Most Common?
Top SBA Lenders for Clothing and Clothing Accessories Retailers
These banks have funded the most SBA loans for clothing and clothing accessories retailers businesses (NAICS 458110). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 195 | $28.5M |
| 2 | Northeast Bank(ME) | 138 | $17.9M |
| 3 | Readycap Lending, LLC(NJ) | 113 | $22.9M |
| 4 | U.S. Bank, National Association(OH) | 111 | $10.1M |
| 5 | Newtek Bank, National Association(FL) | 108 | $36.9M |
Ready to Fund Your Clothing and Clothing Accessories Retailers Business?
PeerSense places SBA loans for clothing and clothing accessories 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 Clothing and Clothing Accessories Retailers Businesses?
Across all SBA loan programs, 2,125 loans have been approved for businesses classified under NAICS 458110 (Clothing and Clothing Accessories Retailers), representing $642.6M in total capital deployed. The average approved loan of $302K is 11% below avg the national SBA average of $340K, with typical repayment terms of 129 months.
SBA lending for clothing and clothing accessories retailers is accelerating — loan volume has grown approximately 57% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2024.
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 clothing and clothing accessories 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 — Clothing and Clothing Accessories Retailers SBA Loans
What is the average SBA loan size for clothing and clothing accessories retailers businesses?
Which SBA loan program is best for a clothing and clothing accessories retailers business?
How many lenders fund SBA loans for clothing and clothing accessories retailers?
What states have the most SBA lending for clothing and clothing accessories retailers?
How does PeerSense help clothing and clothing accessories retailers businesses get SBA loans?
Related Retail Trade Industries
All Other Miscellaneous Store Retailers (except Tobacco Stores)
Sporting Goods Stores
Gift, Novelty, and Souvenir Stores
Florists
All Other General Merchandise Stores
Other Direct Selling Establishments
Data aggregated from SBA loan records (1992–2025). Clothing and Clothing Accessories Retailers defined by NAICS code 458110. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.