Which SBA program is best for Men's and Boys' Clothing and Furnishings Merchant Wholesalers?

The SBA 7(a) program is the most commonly used for Men's and Boys' Clothing and Furnishings Merchant Wholesalers businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 424320Wholesale Trade

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

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Address: Westfield, Westfield, IN, 46074, US
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785 SBA loans totaling $273.5M have been approved for men's and boys' clothing and furnishings merchant wholesalers businesses (NAICS 424320). The average approved SBA loan is $348K, which is near national avg the $340K national average. 156 active lenders fund this industry with a 27.2% default rate on the matured 2018-2021 loan cohort.

Elevated default risk27.2% vs 15.4% all industry avg

At 27.2%, Men's and Boys' Clothing and Furnishings Merchant Wholesalers 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. The capital source prices this risk into rate and structure.

Quick Answer

NAICS 424320 (Men's and Boys' Clothing and Furnishings Merchant Wholesalers) received 785 SBA loans worth $273.5M across 5+ states. Average loan $348K, average term 110 months, 27.2% default rate (resolved loan basis).156 active SBA approved lenders fund this industry. Most men's and boys' clothing and furnishings merchant wholesalers loans use the SBA 7(a) program. There are approximately 3,070 U.S. establishments in this industry (Census 2022).

785

Total SBA Loans

$273.5M

Total Volume

$348K

Avg Loan Size

near national avg

156

Active Lenders

110 mo

Avg Term

15% below avg

5,974

Jobs Supported

Is SBA Lending Growing for Men's and Boys' Clothing and Furnishings Merchant Wholesalers?-56% decline

$24.1M

$17.0M

$23.3M

$8.0M

$11.2M

$15.0M

$3.2M

$2.5M

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

SBA 7(a)703 (90%)

SBA 50482 (10%)

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

SBA 7(a)

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

Industry avg loan: $348K

Typical term: 110 months

Historical avg rate: 6.63%

156+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 27.2%

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

307 loans

$144.6M

120 loans

$26.3M

68 loans

$13.6M

35 loans

$6.6M

30 loans

$6.3M

SBA Lending Activity in Men's and Boys' Clothing and Furnishings Merchant Wholesalers

156 SBA lenders have funded 785 loans to men's and boys' clothing and furnishings merchant wholesalers businesses (NAICS 424320). 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

785

Active lenders

156

Total volume

$273.5M

Avg loan size

$348K

Browse all SBA lenders

Men's and Boys' Clothing and Furnishings Merchant Wholesalers Industry Context

U.S. Establishments

3,070

U.S. Census Bureau · 2022

U.S. Employment

28,615,000

BLS · 2026

SBA Penetration

25.57%

SBA loans per establishment

Talk to PeerSense

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

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 Furnishings Merchant 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

Where is the property or business

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

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

Across all SBA loan programs, 785 loans have been approved for businesses classified under NAICS 424320 (Men's and Boys' Clothing and Furnishings Merchant Wholesalers), representing $273.5M in total capital deployed. The average approved loan of $348K is near national avg the national SBA average of $340K, with typical repayment terms of 110 months.

SBA lending for men's and boys' clothing and furnishings merchant wholesalers has contracted approximately 56% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 156 lenders remain active, maintaining competitive options for qualified borrowers.

The industry sees a balanced mix of SBA programs, with 10% 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 furnishings merchant wholesalers file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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

What is the average SBA loan size for men's and boys' clothing and furnishings merchant wholesalers businesses?

Based on 785 approved SBA loans, the average loan size for men's and boys' clothing and furnishings merchant wholesalers (NAICS 424320) is $348K. 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 furnishings merchant wholesalers business?

SBA 7(a) is the most commonly used SBA program for men's and boys' clothing and furnishings merchant wholesalers businesses. The most widely used SBA program for men's and boys' clothing and furnishings merchant 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 furnishings merchant wholesalers?

156 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 furnishings merchant wholesalers file.

What states have the most SBA lending for men's and boys' clothing and furnishings merchant wholesalers?

CA leads with 307 SBA loans and $144.6M in total volume for men's and boys' clothing and furnishings merchant wholesalers businesses. NY, NJ, FL also show strong lending activity in this sector.

How does PeerSense help men's and boys' clothing and furnishings merchant wholesalers businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a men's and boys' clothing and furnishings merchant 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 Furnishings Merchant Wholesalers defined by NAICS code 424320. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.