How Much Can Used Merchandise Retailers Businesses Get in SBA Loans?
393 SBA loans totaling $138.3M have been approved for used merchandise retailers businesses (NAICS 459510). The average approved SBA loan is $352K, which is 3% above avg the $340K national average. 126 active lenders fund this industry.
NAICS 459510 (Used Merchandise Retailers) received 393 SBA loans worth $138.3M across 5+ states. Average loan $352K, average term 144 months.126 active SBA-approved lenders fund this industry. Most used merchandise retailers loans use the SBA 7(a) program.
Is SBA Lending Growing for Used Merchandise Retailers?+56% growth
Which SBA Program Do Used Merchandise Retailers Businesses Use Most?
What Is the Best SBA Loan for Used Merchandise Retailers?
The most widely used SBA program for used merchandise retailers businesses — flexible terms, multiple use cases
Where Are Used Merchandise Retailers SBA Loans Most Common?
Top SBA Lenders for Used Merchandise Retailers
These banks have funded the most SBA loans for used merchandise retailers businesses (NAICS 459510). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 42 | $4.2M |
| 2 | Citizens Bank(TN) | 20 | $10.0M |
| 3 | Newtek Bank, National Association(FL) | 19 | $4.2M |
| 4 | Manufacturers and Traders Trust Company(NY) | 19 | $768K |
| 5 | Readycap Lending, LLC(NJ) | 18 | $4.3M |
Ready to Fund Your Used Merchandise Retailers Business?
PeerSense places SBA loans for used merchandise 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 Used Merchandise Retailers Businesses?
Across all SBA loan programs, 393 loans have been approved for businesses classified under NAICS 459510 (Used Merchandise Retailers), representing $138.3M in total capital deployed. The average approved loan of $352K is 3% above avg the national SBA average of $340K, with typical repayment terms of 144 months.
SBA lending for used merchandise retailers is accelerating — loan volume has grown approximately 56% 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 9% 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 used 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 — Used Merchandise Retailers SBA Loans
What is the average SBA loan size for used merchandise retailers businesses?
Which SBA loan program is best for a used merchandise retailers business?
How many lenders fund SBA loans for used merchandise retailers?
What states have the most SBA lending for used merchandise retailers?
How does PeerSense help used merchandise retailers businesses get SBA loans?
Related Retail Trade Industries
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Gift, Novelty, and Souvenir Stores
Florists
All Other General Merchandise Stores
Other Direct Selling Establishments
Data aggregated from SBA loan records (1992–2025). Used Merchandise Retailers defined by NAICS code 459510. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.