How Much Can Photographic Equipment and Supplies Merchant Wholesalers Businesses Get in SBA Loans?
165 SBA loans totaling $58.3M have been approved for photographic equipment and supplies merchant wholesalers businesses (NAICS 423410). The average approved SBA loan is $353K, which is 4% above avg the $340K national average. 71 active lenders fund this industry with a 18.2% default rate on the matured 2018-2021 loan cohort.
At 18.2%, Photographic Equipment and Supplies 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 423410 (Photographic Equipment and Supplies Merchant Wholesalers) received 165 SBA loans worth $58.3M across 5+ states. Average loan $353K, average term 113 months, 18.2% default rate (resolved-loan basis).71 active SBA-approved lenders fund this industry. Most photographic equipment and supplies merchant wholesalers loans use the SBA 7(a) program. There are approximately 550 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Photographic Equipment and Supplies Merchant Wholesalers?+350% growth
Which SBA Program Do Photographic Equipment and Supplies Merchant Wholesalers Businesses Use Most?
What Is the Best SBA Loan for Photographic Equipment and Supplies Merchant Wholesalers?
The most widely used SBA program for photographic equipment and supplies merchant wholesalers businesses — flexible terms, multiple use cases
Where Are Photographic Equipment and Supplies Merchant Wholesalers SBA Loans Most Common?
Top SBA Lenders for Photographic Equipment and Supplies Merchant Wholesalers
These banks have funded the most SBA loans for photographic equipment and supplies merchant wholesalers businesses (NAICS 423410). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association(OH) | 21 | $3.0M |
| 2 | Bank of America, National Association(NC) | 18 | $1.3M |
| 3 | KeyBank National Association(OH) | 11 | $4.0M |
| 4 | U.S. Bank, National Association(OH) | 8 | $2.7M |
| 5 | Capital One, National Association(VA) | 6 | $562K |
Photographic Equipment and Supplies Merchant Wholesalers Industry Context
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How Does SBA Lending Work for Photographic Equipment and Supplies Merchant Wholesalers Businesses?
Across all SBA loan programs, 165 loans have been approved for businesses classified under NAICS 423410 (Photographic Equipment and Supplies Merchant Wholesalers), representing $58.3M in total capital deployed. The average approved loan of $353K is 4% above avg the national SBA average of $340K, with typical repayment terms of 113 months.
SBA lending for photographic equipment and supplies merchant wholesalers is accelerating — loan volume has grown approximately 350% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2017.
The industry sees a balanced mix of SBA programs, with 8% 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 photographic equipment and supplies 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 — Photographic Equipment and Supplies Merchant Wholesalers SBA Loans
What is the average SBA loan size for photographic equipment and supplies merchant wholesalers businesses?
Which SBA loan program is best for a photographic equipment and supplies merchant wholesalers business?
How many lenders fund SBA loans for photographic equipment and supplies merchant wholesalers?
What states have the most SBA lending for photographic equipment and supplies merchant wholesalers?
How does PeerSense help photographic equipment and supplies merchant wholesalers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Photographic Equipment and Supplies Merchant Wholesalers defined by NAICS code 423410. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.