3,977 SBA loans totaling $1.1B have been approved for other direct selling establishments businesses (NAICS 454390). The average approved SBA loan is $287K, which is 16% below avg the $340K national average. 664 active lenders fund this industry with a 13.0% historical default rate.
The most widely used SBA program for other direct selling establishments businesses — flexible terms, multiple use cases
PeerSense places SBA loans for other direct selling establishments businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Across all SBA loan programs, 3,977 loans have been approved for businesses classified under NAICS 454390 (Other Direct Selling Establishments), representing $1.1B in total capital deployed. The average approved loan of $287K is 16% below avg the national SBA average of $340K, with typical repayment terms of 118 months.
SBA lending for other direct selling establishments has contracted approximately 82% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 664 lenders remain active, maintaining competitive options for qualified borrowers.
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 other direct selling establishments 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.
All Other Miscellaneous Store Retailers (except Tobacco Stores)
Sporting Goods Stores
Gift, Novelty, and Souvenir Stores
Florists
All Other General Merchandise Stores
Vending Machine Operators
Data aggregated from SBA loan records (1992–2025). Other Direct Selling Establishments defined by NAICS code 454390. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.