How Much Can Other Miscellaneous Durable Goods Merchant Wholesalers Businesses Get in SBA Loans?
6,606 SBA loans totaling $3.3B have been approved for other miscellaneous durable goods merchant wholesalers businesses (NAICS 423990). The average approved SBA loan is $492K, which is 45% above avg the $340K national average. 705 active lenders fund this industry with a 19.2% default rate on the matured 2018-2021 loan cohort.
At 19.2%, Other Miscellaneous Durable Goods 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 423990 (Other Miscellaneous Durable Goods Merchant Wholesalers) received 6,606 SBA loans worth $3.3B across 5+ states. Average loan $492K, average term 127 months, 19.2% default rate (resolved-loan basis).705 active SBA-approved lenders fund this industry. Most other miscellaneous durable goods merchant wholesalers loans use the SBA 7(a) program. There are approximately 9,928 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Other Miscellaneous Durable Goods Merchant Wholesalers?+23% growth
Which SBA Program Do Other Miscellaneous Durable Goods Merchant Wholesalers Businesses Use Most?
What Is the Best SBA Loan for Other Miscellaneous Durable Goods Merchant Wholesalers?
The most widely used SBA program for other miscellaneous durable goods merchant wholesalers businesses — flexible terms, multiple use cases
Where Are Other Miscellaneous Durable Goods Merchant Wholesalers SBA Loans Most Common?
Top SBA Lenders for Other Miscellaneous Durable Goods Merchant Wholesalers
These banks have funded the most SBA loans for other miscellaneous durable goods merchant wholesalers businesses (NAICS 423990). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 699 | $44.5M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 402 | $77.9M |
| 3 | Wells Fargo Bank National Association(SD) | 312 | $154.0M |
| 4 | U.S. Bank, National Association(OH) | 282 | $96.3M |
| 5 | The Huntington National Bank(OH) | 176 | $64.8M |
Other Miscellaneous Durable Goods Merchant Wholesalers Industry Context
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How Does SBA Lending Work for Other Miscellaneous Durable Goods Merchant Wholesalers Businesses?
Across all SBA loan programs, 6,606 loans have been approved for businesses classified under NAICS 423990 (Other Miscellaneous Durable Goods Merchant Wholesalers), representing $3.3B in total capital deployed. The average approved loan of $492K is 45% above avg the national SBA average of $340K, with typical repayment terms of 127 months.
SBA lending for other miscellaneous durable goods merchant wholesalers is accelerating — loan volume has grown approximately 23% 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 14% 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 miscellaneous durable goods 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 — Other Miscellaneous Durable Goods Merchant Wholesalers SBA Loans
What is the average SBA loan size for other miscellaneous durable goods merchant wholesalers businesses?
Which SBA loan program is best for a other miscellaneous durable goods merchant wholesalers business?
How many lenders fund SBA loans for other miscellaneous durable goods merchant wholesalers?
What states have the most SBA lending for other miscellaneous durable goods merchant wholesalers?
How does PeerSense help other miscellaneous durable goods merchant wholesalers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Other Miscellaneous Durable Goods Merchant Wholesalers defined by NAICS code 423990. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.