How Much Can Outdoor Power Equipment Stores Businesses Get in SBA Loans?
864 SBA loans totaling $261.8M have been approved for outdoor power equipment stores businesses (NAICS 444210). The average approved SBA loan is $303K, which is 11% below avg the $340K national average. 285 active lenders fund this industry with a 16.6% default rate on the matured 2018-2021 loan cohort.
At 16.6%, Outdoor Power Equipment Stores 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 444210 (Outdoor Power Equipment Stores) received 864 SBA loans worth $261.8M across 5+ states. Average loan $303K, average term 139 months, 16.6% default rate (resolved-loan basis).285 active SBA-approved lenders fund this industry. Most outdoor power equipment stores loans use the SBA 7(a) program. There are approximately 4,394 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Outdoor Power Equipment Stores?-95% decline
Which SBA Program Do Outdoor Power Equipment Stores Businesses Use Most?
What Is the Best SBA Loan for Outdoor Power Equipment Stores?
The most widely used SBA program for outdoor power equipment stores businesses — flexible terms, multiple use cases
Where Are Outdoor Power Equipment Stores SBA Loans Most Common?
Top SBA Lenders for Outdoor Power Equipment Stores
These banks have funded the most SBA loans for outdoor power equipment stores businesses (NAICS 444210). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 40 | $7.1M |
| 2 | Capital One, National Association(VA) | 40 | $2.0M |
| 3 | Wells Fargo Bank National Association(SD) | 34 | $11.8M |
| 4 | Bank of America, National Association(NC) | 33 | $2.5M |
| 5 | Citizens Bank, National Association(RI) | 32 | $1.3M |
Outdoor Power Equipment Stores Industry Context
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How Does SBA Lending Work for Outdoor Power Equipment Stores Businesses?
Across all SBA loan programs, 864 loans have been approved for businesses classified under NAICS 444210 (Outdoor Power Equipment Stores), representing $261.8M in total capital deployed. The average approved loan of $303K is 11% below avg the national SBA average of $340K, with typical repayment terms of 139 months.
SBA lending for outdoor power equipment stores has contracted approximately 95% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 285 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 20% 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 outdoor power equipment 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 — Outdoor Power Equipment Stores SBA Loans
What is the average SBA loan size for outdoor power equipment stores businesses?
Which SBA loan program is best for a outdoor power equipment stores business?
How many lenders fund SBA loans for outdoor power equipment stores?
What states have the most SBA lending for outdoor power equipment stores?
How does PeerSense help outdoor power equipment stores businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Outdoor Power Equipment Stores defined by NAICS code 444210. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.