How Much Can Shoe Stores Businesses Get in SBA Loans?
2,830 SBA loans totaling $452.6M have been approved for shoe stores businesses (NAICS 448210). The average approved SBA loan is $160K, which is 53% below avg the $340K national average. 503 active lenders fund this industry with a 24.1% default rate on the matured 2018-2021 loan cohort.
At 24.1%, Shoe Stores sits well above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — elevated 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 448210 (Shoe Stores) received 2,830 SBA loans worth $452.6M across 5+ states. Average loan $160K, average term 91 months, 24.1% default rate (resolved-loan basis).503 active SBA-approved lenders fund this industry. Most shoe stores loans use the SBA 7(a) program.
Is SBA Lending Growing for Shoe Stores?-83% decline
Which SBA Program Do Shoe Stores Businesses Use Most?
What Is the Best SBA Loan for Shoe Stores?
The most widely used SBA program for shoe stores businesses — flexible terms, multiple use cases
Where Are Shoe Stores SBA Loans Most Common?
Top SBA Lenders for Shoe Stores
These banks have funded the most SBA loans for shoe stores businesses (NAICS 448210). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 249 | $17.1M |
| 2 | Wells Fargo Bank National Association(SD) | 243 | $61.8M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 150 | $16.3M |
| 4 | Bank of Hope(CA) | 116 | $11.4M |
| 5 | U.S. Bank, National Association(OH) | 95 | $18.2M |
Ready to Fund Your Shoe Stores Business?
PeerSense places SBA loans for shoe 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 Shoe Stores Businesses?
Across all SBA loan programs, 2,830 loans have been approved for businesses classified under NAICS 448210 (Shoe Stores), representing $452.6M in total capital deployed. The average approved loan of $160K is 53% below avg the national SBA average of $340K, with typical repayment terms of 91 months.
SBA lending for shoe 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, 503 lenders remain active, maintaining competitive options for qualified borrowers.
The overwhelming majority of SBA lending for shoe stores uses the 7(a) program, which provides the most flexibility — covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.
PeerSense specializes in matching shoe 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 — Shoe Stores SBA Loans
What is the average SBA loan size for shoe stores businesses?
Which SBA loan program is best for a shoe stores business?
How many lenders fund SBA loans for shoe stores?
What states have the most SBA lending for shoe stores?
How does PeerSense help shoe stores businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Shoe Stores defined by NAICS code 448210. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.