How Much Can Other Direct Selling Establishments Businesses Get in SBA Loans?
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 17.2% default rate on the matured 2018-2021 loan cohort.
At 17.2%, Other Direct Selling Establishments 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 454390 (Other Direct Selling Establishments) received 3,977 SBA loans worth $1.1B across 5+ states. Average loan $287K, average term 118 months, 17.2% default rate (resolved-loan basis).664 active SBA-approved lenders fund this industry. Most other direct selling establishments loans use the SBA 7(a) program. There are approximately 24,320 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Other Direct Selling Establishments?-82% decline
Which SBA Program Do Other Direct Selling Establishments Businesses Use Most?
What Is the Best SBA Loan for Other Direct Selling Establishments?
The most widely used SBA program for other direct selling establishments businesses — flexible terms, multiple use cases
Where Are Other Direct Selling Establishments SBA Loans Most Common?
Top SBA Lenders for Other Direct Selling Establishments
These banks have funded the most SBA loans for other direct selling establishments businesses (NAICS 454390). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 251 | $65.1M |
| 2 | U.S. Bank, National Association(OH) | 210 | $39.8M |
| 3 | GE Capital Small Business Finance Corporation(TX) | 182 | $21.1M |
| 4 | Bank of America, National Association(NC) | 180 | $12.6M |
| 5 | JPMorgan Chase Bank, National Association(OH) | 147 | $24.5M |
Other Direct Selling Establishments Industry Context
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How Does SBA Lending Work for Other Direct Selling Establishments Businesses?
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.
Frequently Asked Questions — Other Direct Selling Establishments SBA Loans
What is the average SBA loan size for other direct selling establishments businesses?
Which SBA loan program is best for a other direct selling establishments business?
How many lenders fund SBA loans for other direct selling establishments?
What states have the most SBA lending for other direct selling establishments?
How does PeerSense help other direct selling establishments businesses get SBA loans?
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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.