How Much Can Jewelry, Watch, Precious Stone, and Precious Metal Wholesalers Businesses Get in SBA Loans?
692 SBA loans totaling $112.1M have been approved for jewelry, watch, precious stone, and precious metal wholesalers businesses (NAICS 421940). The average approved SBA loan is $162K, which is 52% below avg the $340K national average. 155 active lenders fund this industry with a 14.1% default rate on the matured 2018-2021 loan cohort.
At 14.1%, Jewelry, Watch, Precious Stone, and Precious Metal Wholesalers 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 421940 (Jewelry, Watch, Precious Stone, and Precious Metal Wholesalers) received 692 SBA loans worth $112.1M across 5+ states. Average loan $162K, average term 94 months, 14.1% default rate (resolved-loan basis).155 active SBA-approved lenders fund this industry. Most jewelry, watch, precious stone, and precious metal wholesalers loans use the SBA 7(a) program. There are approximately 388,706 U.S. establishments in this industry (Census 2022).
Which SBA Program Do Jewelry, Watch, Precious Stone, and Precious Metal Wholesalers Businesses Use Most?
What Is the Best SBA Loan for Jewelry, Watch, Precious Stone, and Precious Metal Wholesalers?
The most widely used SBA program for jewelry, watch, precious stone, and precious metal wholesalers businesses — flexible terms, multiple use cases
Where Are Jewelry, Watch, Precious Stone, and Precious Metal Wholesalers SBA Loans Most Common?
Top SBA Lenders for Jewelry, Watch, Precious Stone, and Precious Metal Wholesalers
These banks have funded the most SBA loans for jewelry, watch, precious stone, and precious metal wholesalers businesses (NAICS 421940). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 127 | $11.0M |
| 2 | Wells Fargo Bank National Association(SD) | 56 | $9.7M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 46 | $3.8M |
| 4 | Bank of America California, National Association(CA) | 30 | $2.4M |
| 5 | Zions Bank, A Division of(UT) | 21 | $3.8M |
Jewelry, Watch, Precious Stone, and Precious Metal Wholesalers Industry Context
Ready to Fund Your Jewelry, Watch, Precious Stone, and Precious Metal Wholesalers Business?
PeerSense places SBA loans for jewelry, watch, precious stone, and precious metal wholesalers 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 Jewelry, Watch, Precious Stone, and Precious Metal Wholesalers Businesses?
Across all SBA loan programs, 692 loans have been approved for businesses classified under NAICS 421940 (Jewelry, Watch, Precious Stone, and Precious Metal Wholesalers), representing $112.1M in total capital deployed. The average approved loan of $162K is 52% below avg the national SBA average of $340K, with typical repayment terms of 94 months.
SBA lending for jewelry, watch, precious stone, and precious metal wholesalers has remained relatively stable across recent fiscal years. 155 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The overwhelming majority of SBA lending for jewelry, watch, precious stone, and precious metal wholesalers 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.
PeerSense specializes in matching jewelry, watch, precious stone, and precious metal wholesalers 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, Watch, Precious Stone, and Precious Metal Wholesalers SBA Loans
What is the average SBA loan size for jewelry, watch, precious stone, and precious metal wholesalers businesses?
Which SBA loan program is best for a jewelry, watch, precious stone, and precious metal wholesalers business?
How many lenders fund SBA loans for jewelry, watch, precious stone, and precious metal wholesalers?
What states have the most SBA lending for jewelry, watch, precious stone, and precious metal wholesalers?
How does PeerSense help jewelry, watch, precious stone, and precious metal wholesalers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Jewelry, Watch, Precious Stone, and Precious Metal Wholesalers defined by NAICS code 421940. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.