Skip to main content
✦Prime Rate:7.00%✦Fed Funds:3.88%✦5 Yr Treasury:4.95%↓✦10 Yr Treasury:5.10%↓✦30 Yr Treasury:5.43%↓✦30 Yr Mortgage:7.11%·Updated Nov 12, 2026✦Prime Rate:7.00%✦Fed Funds:3.88%✦5 Yr Treasury:4.95%↓✦10 Yr Treasury:5.10%↓✦30 Yr Treasury:5.43%↓✦30 Yr Mortgage:7.11%·Updated Nov 12, 2026
Rates
NAICS 422320Wholesale Trade

How Much Can Men's and Boys' Clothing and Furnishing Wholesalers Businesses Get in SBA Loans?

632 SBA loans totaling $172.3M have been approved for men's and boys' clothing and furnishing wholesalers businesses (NAICS 422320). The average approved SBA loan is $273K, which is 20% below avg the $340K national average. 160 active lenders fund this industry with a 16.2% default rate on the matured 2018-2021 loan cohort.

Above average default risk16.2% vs 15.4% all industry avg

At 16.2%, Men's and Boys' Clothing and Furnishing Wholesalers 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. The capital source prices this risk into rate and structure.

Quick Answer

NAICS 422320 (Men's and Boys' Clothing and Furnishing Wholesalers) received 632 SBA loans worth $172.3M across 5+ states. Average loan $273K, average term 112 months, 16.2% default rate (resolved loan basis).160 active SBA approved lenders fund this industry. Most men's and boys' clothing and furnishing wholesalers loans use the SBA 7(a) program. There are approximately 388,706 U.S. establishments in this industry (Census 2022).

632
Total SBA Loans
$172.3M
Total Volume
$273K
Avg Loan Size
20% below avg
160
Active Lenders
112 mo
Avg Term
14% below avg
3,054
Jobs Supported

Which SBA Program Do Men's and Boys' Clothing and Furnishing Wholesalers Businesses Use Most?

SBA 7(a)572 (91%)
SBA 50460 (9%)

What Is the Best SBA Loan for Men's and Boys' Clothing and Furnishing Wholesalers?

SBA 7(a)

The most widely used SBA program for men's and boys' clothing and furnishing wholesalers businesses: flexible terms, multiple use cases

Industry avg loan: $273K
Typical term: 112 months
160+ lenders active in this industry
Default rate (2018 to 21 matured cohort): 16.2%

Where Are Men's and Boys' Clothing and Furnishing Wholesalers SBA Loans Most Common?

#1
CA
205 loans
$72.4M
#2
NY
87 loans
$12.5M
#3
TX
38 loans
$11.1M
#4
NJ
35 loans
$12.1M
#5
FL
26 loans
$5.4M

SBA Lending Activity in Men's and Boys' Clothing and Furnishing Wholesalers

160 SBA lenders have funded 632 loans to men's and boys' clothing and furnishing wholesalers businesses (NAICS 422320). 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
632
Active lenders
160
Total volume
$172.3M
Avg loan size
$273K
Browse all SBA lenders

Men's and Boys' Clothing and Furnishing Wholesalers Industry Context

U.S. Establishments
388,706
U.S. Census Bureau · 2022
SBA Penetration
0.16%
SBA loans per establishment

Talk to PeerSense

PeerSense sources capital for men's and boys' clothing and furnishing wholesalers businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

$0

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Men's and Boys' Clothing and Furnishing Wholesalers 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

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

How Does SBA Lending Work for Men's and Boys' Clothing and Furnishing Wholesalers Businesses?

Across all SBA loan programs, 632 loans have been approved for businesses classified under NAICS 422320 (Men's and Boys' Clothing and Furnishing Wholesalers), representing $172.3M in total capital deployed. The average approved loan of $273K is 20% below avg the national SBA average of $340K, with typical repayment terms of 112 months.

SBA lending for men's and boys' clothing and furnishing wholesalers has remained relatively stable across recent fiscal years. 160 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.

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.

Talk to PeerSense about a men's and boys' clothing and furnishing wholesalers file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

SBA Loan Guide SBA Calculator SBA Lender Directory Industry Data Hub Current SBA Rates Contact Us

Frequently Asked Questions: Men's and Boys' Clothing and Furnishing Wholesalers SBA Loans

What is the average SBA loan size for men's and boys' clothing and furnishing wholesalers businesses?
Based on 632 approved SBA loans, the average loan size for men's and boys' clothing and furnishing wholesalers (NAICS 422320) is $273K. This compares to the national SBA average of $340K across all industries.
Which SBA loan program is best for a men's and boys' clothing and furnishing wholesalers business?
SBA 7(a) is the most commonly used SBA program for men's and boys' clothing and furnishing wholesalers businesses. The most widely used SBA program for men's and boys' clothing and furnishing wholesalers businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.
How many lenders fund SBA loans for men's and boys' clothing and furnishing wholesalers?
160 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 men's and boys' clothing and furnishing wholesalers file.
What states have the most SBA lending for men's and boys' clothing and furnishing wholesalers?
CA leads with 205 SBA loans and $72.4M in total volume for men's and boys' clothing and furnishing wholesalers businesses. NY, TX, NJ also show strong lending activity in this sector.
How does PeerSense help men's and boys' clothing and furnishing wholesalers businesses get SBA loans?
PeerSense is a capital advisory firm. Talk to PeerSense about a men's and boys' clothing and furnishing wholesalers file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Wholesale Trade Industries

Other Miscellaneous Durable Goods Merchant Wholesalers

6,606 loans · N/A
Avg: $492K

Other Miscellaneous Nondurable Goods Merchant Wholesalers

5,447 loans · N/A
Avg: $500K

Other Grocery and Related Products Merchant Wholesalers

3,406 loans · N/A
Avg: $360K

Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesal

3,188 loans · N/A
Avg: $327K

Industrial Machinery and Equipment Merchant Wholesalers

2,758 loans · N/A
Avg: $508K

Women's, Children's, and Infants' Clothing and Accessories Merchant Wh

2,749 loans · N/A
Avg: $433K

Data aggregated from SBA loan records (1992 to 2025). Men's and Boys' Clothing and Furnishing Wholesalers defined by NAICS code 422320. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.