How Much Can Jewelry Stores Businesses Get in SBA Loans?
5,758 SBA loans totaling $987.5M have been approved for jewelry stores businesses (NAICS 448310). The average approved SBA loan is $171K, which is 50% below avg the $340K national average. 764 active lenders fund this industry with a 16.0% default rate on the matured 2018-2021 loan cohort.
At 16.0%, Jewelry Stores sits above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — above average 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 448310 (Jewelry Stores) received 5,758 SBA loans worth $987.5M across 5+ states. Average loan $171K, average term 97 months, 16.0% default rate (resolved-loan basis).764 active SBA-approved lenders fund this industry. Most jewelry stores loans use the SBA 7(a) program.
Is SBA Lending Growing for Jewelry Stores?-93% decline
Which SBA Program Do Jewelry Stores Businesses Use Most?
What Is the Best SBA Loan for Jewelry Stores?
The most widely used SBA program for jewelry stores businesses — flexible terms, multiple use cases
Where Are Jewelry Stores SBA Loans Most Common?
Top SBA Lenders for Jewelry Stores
These banks have funded the most SBA loans for jewelry stores businesses (NAICS 448310). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 597 | $39.8M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 350 | $33.1M |
| 3 | Wells Fargo Bank National Association(SD) | 350 | $50.0M |
| 4 | Citizens Bank, National Association(RI) | 308 | $14.8M |
| 5 | U.S. Bank, National Association(OH) | 219 | $24.1M |
Jewelry Stores Industry Context
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How Does SBA Lending Work for Jewelry Stores Businesses?
Across all SBA loan programs, 5,758 loans have been approved for businesses classified under NAICS 448310 (Jewelry Stores), representing $987.5M in total capital deployed. The average approved loan of $171K is 50% below avg the national SBA average of $340K, with typical repayment terms of 97 months.
SBA lending for jewelry stores has contracted approximately 93% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 764 lenders remain active, maintaining competitive options for qualified borrowers.
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 jewelry stores 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 — Jewelry Stores SBA Loans
What is the average SBA loan size for jewelry stores businesses?
Which SBA loan program is best for a jewelry stores business?
How many lenders fund SBA loans for jewelry stores?
What states have the most SBA lending for jewelry stores?
How does PeerSense help jewelry stores businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Jewelry Stores defined by NAICS code 448310. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.