How Much Can Pharmacies and Drug Stores Businesses Get in SBA Loans?
7,953 SBA loans totaling $3.6B have been approved for pharmacies and drug stores businesses (NAICS 446110). The average approved SBA loan is $454K, which is 33% above avg the $340K national average. 955 active lenders fund this industry with a 5.0% historical default rate.
NAICS 446110 (Pharmacies and Drug Stores) received 7,953 SBA loans worth $3.6B across 5+ states. Average loan $454K, average term 121 months, default rate 5.0%.955 active SBA-approved lenders fund this industry. Most pharmacies and drug stores loans use the SBA 7(a) program. There are approximately 42,707 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Pharmacies and Drug Stores?-83% decline
Which SBA Program Do Pharmacies and Drug Stores Businesses Use Most?
What Is the Best SBA Loan for Pharmacies and Drug Stores?
The most widely used SBA program for pharmacies and drug stores businesses — flexible terms, multiple use cases
Where Are Pharmacies and Drug Stores SBA Loans Most Common?
Top SBA Lenders for Pharmacies and Drug Stores
These banks have funded the most SBA loans for pharmacies and drug stores businesses (NAICS 446110). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Live Oak Banking Company(NC) | 1,024 | $1.2B |
| 2 | Wells Fargo Bank National Association(SD) | 427 | $153.3M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 369 | $64.9M |
| 4 | First Financial Bank(AR) | 345 | $320.2M |
| 5 | Banco Popular de Puerto Rico(PR) | 282 | $38.2M |
Pharmacies and Drug Stores Industry Context
Ready to Fund Your Pharmacies and Drug Stores Business?
PeerSense places SBA loans for pharmacies and drug stores businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
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How Does SBA Lending Work for Pharmacies and Drug Stores Businesses?
Across all SBA loan programs, 7,953 loans have been approved for businesses classified under NAICS 446110 (Pharmacies and Drug Stores), representing $3.6B in total capital deployed. The average approved loan of $454K is 33% above avg the national SBA average of $340K, with typical repayment terms of 121 months.
SBA lending for pharmacies and drug stores has contracted approximately 83% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 955 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 6% 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 pharmacies and drug 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 — Pharmacies and Drug Stores SBA Loans
What is the average SBA loan size for pharmacies and drug stores businesses?
Which SBA loan program is best for a pharmacies and drug stores business?
How many lenders fund SBA loans for pharmacies and drug stores?
What states have the most SBA lending for pharmacies and drug stores?
How does PeerSense help pharmacies and drug stores businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Pharmacies and Drug Stores defined by NAICS code 446110. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.