How Much Can Sporting Goods Stores Businesses Get in SBA Loans?
10,775 SBA loans totaling $2.1B have been approved for sporting goods stores businesses (NAICS 451110). The average approved SBA loan is $198K, which is 42% below avg the $340K national average. 1291 active lenders fund this industry with a 19.3% default rate on the matured 2018-2021 loan cohort.
At 19.3%, Sporting Goods 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. The capital source prices this risk into rate and structure.
NAICS 451110 (Sporting Goods Stores) received 10,775 SBA loans worth $2.1B across 5+ states. Average loan $198K, average term 107 months, 19.3% default rate (resolved loan basis).1291 active SBA approved lenders fund this industry. Most sporting goods stores loans use the SBA 7(a) program.
Is SBA Lending Growing for Sporting Goods Stores?-95% decline
Which SBA Program Do Sporting Goods Stores Businesses Use Most?
What Is the Best SBA Loan for Sporting Goods Stores?
The most widely used SBA program for sporting goods stores businesses: flexible terms, multiple use cases
Where Are Sporting Goods Stores SBA Loans Most Common?
SBA Lending Activity in Sporting Goods Stores
1,291 SBA lenders have funded 10,775 loans to sporting goods stores businesses (NAICS 451110). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.
Sporting Goods Stores Industry Context
Talk to PeerSense
PeerSense sources capital for sporting goods stores businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Talk to PeerSense about financing a Sporting Goods Stores business.
Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.
SBA 7(a) / 504: PeerSense will reach out. No obligation.
How Does SBA Lending Work for Sporting Goods Stores Businesses?
Across all SBA loan programs, 10,775 loans have been approved for businesses classified under NAICS 451110 (Sporting Goods Stores), representing $2.1B in total capital deployed. The average approved loan of $198K is 42% below avg the national SBA average of $340K, with typical repayment terms of 107 months.
SBA lending for sporting goods 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, 1291 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 7% 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.
Talk to PeerSense about a sporting goods stores file. The capital source sets the terms. The desk fee is paid at closing, never upfront.
Frequently Asked Questions: Sporting Goods Stores SBA Loans
What is the average SBA loan size for sporting goods stores businesses?
Which SBA loan program is best for a sporting goods stores business?
How many lenders fund SBA loans for sporting goods stores?
What states have the most SBA lending for sporting goods stores?
How does PeerSense help sporting goods stores businesses get SBA loans?
Related Retail Trade Industries
All Other Miscellaneous Store Retailers (except Tobacco Stores)
Gift, Novelty, and Souvenir Stores
Florists
All Other General Merchandise Stores
Other Direct Selling Establishments
Vending Machine Operators
Data aggregated from SBA loan records (1992 to 2025). Sporting Goods Stores defined by NAICS code 451110. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.