How Much Can Men's Clothing Stores Businesses Get in SBA Loans?
1,122 SBA loans totaling $186.0M have been approved for men's clothing stores businesses (NAICS 448110). The average approved SBA loan is $166K, which is 51% below avg the $340K national average. 261 active lenders fund this industry with a 23.3% default rate on the matured 2018-2021 loan cohort.
At 23.3%, Men's Clothing Stores 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. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 448110 (Men's Clothing Stores) received 1,122 SBA loans worth $186.0M across 5+ states. Average loan $166K, average term 94 months, 23.3% default rate (resolved-loan basis).261 active SBA-approved lenders fund this industry. Most men's clothing stores loans use the SBA 7(a) program. There are approximately 6,037 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Men's Clothing Stores?-73% decline
Which SBA Program Do Men's Clothing Stores Businesses Use Most?
What Is the Best SBA Loan for Men's Clothing Stores?
The most widely used SBA program for men's clothing stores businesses — flexible terms, multiple use cases
Where Are Men's Clothing Stores SBA Loans Most Common?
Top SBA Lenders for Men's Clothing Stores
These banks have funded the most SBA loans for men's clothing stores businesses (NAICS 448110). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 130 | $5.7M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 84 | $7.0M |
| 3 | Wells Fargo Bank National Association(SD) | 58 | $15.3M |
| 4 | Citizens Bank, National Association(RI) | 48 | $2.2M |
| 5 | Bank of Hope(CA) | 47 | $6.1M |
Men's Clothing Stores Industry Context
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How Does SBA Lending Work for Men's Clothing Stores Businesses?
Across all SBA loan programs, 1,122 loans have been approved for businesses classified under NAICS 448110 (Men's Clothing Stores), representing $186.0M in total capital deployed. The average approved loan of $166K is 51% below avg the national SBA average of $340K, with typical repayment terms of 94 months.
SBA lending for men's clothing stores has contracted approximately 73% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 261 lenders remain active, maintaining competitive options for qualified borrowers.
The overwhelming majority of SBA lending for men's clothing stores 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 men's clothing 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 — Men's Clothing Stores SBA Loans
What is the average SBA loan size for men's clothing stores businesses?
Which SBA loan program is best for a men's clothing stores business?
How many lenders fund SBA loans for men's clothing stores?
What states have the most SBA lending for men's clothing stores?
How does PeerSense help men's clothing stores businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Men's Clothing Stores defined by NAICS code 448110. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.