How Much Can Sales Financing Businesses Get in SBA Loans?
97 SBA loans totaling $22.4M have been approved for sales financing businesses (NAICS 522220). The average approved SBA loan is $231K, which is 32% below avg the $340K national average. 50 active lenders fund this industry.
NAICS 522220 (Sales Financing) received 97 SBA loans worth $22.4M across 5+ states. Average loan $231K, average term 98 months.50 active SBA-approved lenders fund this industry. Most sales financing loans use the SBA 7(a) program. There are approximately 3,637 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Sales Financing?-50% decline
Which SBA Program Do Sales Financing Businesses Use Most?
What Is the Best SBA Loan for Sales Financing?
The most widely used SBA program for sales financing businesses — flexible terms, multiple use cases
Where Are Sales Financing SBA Loans Most Common?
Top SBA Lenders for Sales Financing
These banks have funded the most SBA loans for sales financing businesses (NAICS 522220). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Zions Bank, A Division of(UT) | 8 | $777K |
| 2 | Wells Fargo Bank National Association(SD) | 8 | $2.2M |
| 3 | Citizens Bank, National Association(RI) | 7 | $218K |
| 4 | Manufacturers and Traders Trust Company(NY) | 6 | $1.3M |
| 5 | Bank of America, National Association(NC) | 4 | $80K |
Sales Financing Industry Context
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PeerSense places SBA loans for sales financing 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 Sales Financing Businesses?
Across all SBA loan programs, 97 loans have been approved for businesses classified under NAICS 522220 (Sales Financing), representing $22.4M in total capital deployed. The average approved loan of $231K is 32% below avg the national SBA average of $340K, with typical repayment terms of 98 months.
SBA lending for sales financing has contracted approximately 50% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 50 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 5% 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 sales financing 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 100+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Sales Financing SBA Loans
What is the average SBA loan size for sales financing businesses?
Which SBA loan program is best for a sales financing business?
How many lenders fund SBA loans for sales financing?
What states have the most SBA lending for sales financing?
How does PeerSense help sales financing businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Sales Financing defined by NAICS code 522220. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.