How Much Can Other Clothing Stores Businesses Get in SBA Loans?
4,386 SBA loans totaling $653.8M have been approved for other clothing stores businesses (NAICS 448190). The average approved SBA loan is $149K, which is 56% below avg the $340K national average. 639 active lenders fund this industry with a 25.2% default rate on the matured 2018-2021 loan cohort.
At 25.2%, Other 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 448190 (Other Clothing Stores) received 4,386 SBA loans worth $653.8M across 5+ states. Average loan $149K, average term 96 months, 25.2% default rate (resolved-loan basis).639 active SBA-approved lenders fund this industry. Most other clothing stores loans use the SBA 7(a) program.
Is SBA Lending Growing for Other Clothing Stores?-53% decline
Which SBA Program Do Other Clothing Stores Businesses Use Most?
What Is the Best SBA Loan for Other Clothing Stores?
The most widely used SBA program for other clothing stores businesses — flexible terms, multiple use cases
Where Are Other Clothing Stores SBA Loans Most Common?
Top SBA Lenders for Other Clothing Stores
These banks have funded the most SBA loans for other clothing stores businesses (NAICS 448190). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of Hope(CA) | 462 | $17.5M |
| 2 | Bank of America, National Association(NC) | 402 | $15.6M |
| 3 | Wells Fargo Bank National Association(SD) | 288 | $37.6M |
| 4 | PNC Bank, National Association(DE) | 193 | $16.9M |
| 5 | JPMorgan Chase Bank, National Association(OH) | 172 | $17.8M |
Other Clothing Stores Industry Context
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How Does SBA Lending Work for Other Clothing Stores Businesses?
Across all SBA loan programs, 4,386 loans have been approved for businesses classified under NAICS 448190 (Other Clothing Stores), representing $653.8M in total capital deployed. The average approved loan of $149K is 56% below avg the national SBA average of $340K, with typical repayment terms of 96 months.
SBA lending for other clothing stores has contracted approximately 53% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 639 lenders remain active, maintaining competitive options for qualified borrowers.
The overwhelming majority of SBA lending for other 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 other 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 — Other Clothing Stores SBA Loans
What is the average SBA loan size for other clothing stores businesses?
Which SBA loan program is best for a other clothing stores business?
How many lenders fund SBA loans for other clothing stores?
What states have the most SBA lending for other clothing stores?
How does PeerSense help other clothing stores businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Other Clothing Stores defined by NAICS code 448190. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.