How Much Can Office Equipment Merchant Wholesalers Businesses Get in SBA Loans?
635 SBA loans totaling $274.5M have been approved for office equipment merchant wholesalers businesses (NAICS 423420). The average approved SBA loan is $432K, which is 27% above avg the $340K national average. 196 active lenders fund this industry with a 16.6% default rate on the matured 2018-2021 loan cohort.
At 16.6%, Office Equipment Merchant 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. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 423420 (Office Equipment Merchant Wholesalers) received 635 SBA loans worth $274.5M across 5+ states. Average loan $432K, average term 114 months, 16.6% default rate (resolved-loan basis).196 active SBA-approved lenders fund this industry. Most office equipment merchant wholesalers loans use the SBA 7(a) program. There are approximately 8,554 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Office Equipment Merchant Wholesalers?+13% growth
Which SBA Program Do Office Equipment Merchant Wholesalers Businesses Use Most?
What Is the Best SBA Loan for Office Equipment Merchant Wholesalers?
The most widely used SBA program for office equipment merchant wholesalers businesses — flexible terms, multiple use cases
Where Are Office Equipment Merchant Wholesalers SBA Loans Most Common?
Top SBA Lenders for Office Equipment Merchant Wholesalers
These banks have funded the most SBA loans for office equipment merchant wholesalers businesses (NAICS 423420). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 42 | $4.0M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 34 | $4.1M |
| 3 | Wells Fargo Bank National Association(SD) | 34 | $13.4M |
| 4 | U.S. Bank, National Association(OH) | 31 | $15.4M |
| 5 | Capital One, National Association(VA) | 26 | $2.8M |
Office Equipment Merchant Wholesalers Industry Context
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How Does SBA Lending Work for Office Equipment Merchant Wholesalers Businesses?
Across all SBA loan programs, 635 loans have been approved for businesses classified under NAICS 423420 (Office Equipment Merchant Wholesalers), representing $274.5M in total capital deployed. The average approved loan of $432K is 27% above avg the national SBA average of $340K, with typical repayment terms of 114 months.
SBA lending for office equipment merchant wholesalers is accelerating — loan volume has grown approximately 13% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2024.
The industry sees a balanced mix of SBA programs, with 11% 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 office equipment merchant 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 — Office Equipment Merchant Wholesalers SBA Loans
What is the average SBA loan size for office equipment merchant wholesalers businesses?
Which SBA loan program is best for a office equipment merchant wholesalers business?
How many lenders fund SBA loans for office equipment merchant wholesalers?
What states have the most SBA lending for office equipment merchant wholesalers?
How does PeerSense help office equipment merchant wholesalers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Office Equipment Merchant Wholesalers defined by NAICS code 423420. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.