How Much Can Tire and Tube Merchant Wholesalers Businesses Get in SBA Loans?
349 SBA loans totaling $187.4M have been approved for tire and tube merchant wholesalers businesses (NAICS 423130). The average approved SBA loan is $537K, which is 58% above avg the $340K national average. 132 active lenders fund this industry with a 17.7% default rate on the matured 2018-2021 loan cohort.
At 17.7%, Tire and Tube 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 423130 (Tire and Tube Merchant Wholesalers) received 349 SBA loans worth $187.4M across 5+ states. Average loan $537K, average term 135 months, 17.7% default rate (resolved-loan basis).132 active SBA-approved lenders fund this industry. Most tire and tube merchant wholesalers loans use the SBA 504 program. There are approximately 2,527 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Tire and Tube Merchant Wholesalers?
Which SBA Program Do Tire and Tube Merchant Wholesalers Businesses Use Most?
What Is the Best SBA Loan for Tire and Tube Merchant Wholesalers?
16% of tire and tube merchant wholesalers loans use this program — ideal for real estate and major equipment purchases
Where Are Tire and Tube Merchant Wholesalers SBA Loans Most Common?
Top SBA Lenders for Tire and Tube Merchant Wholesalers
These banks have funded the most SBA loans for tire and tube merchant wholesalers businesses (NAICS 423130). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 31 | $1.6M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 19 | $2.7M |
| 3 | Wells Fargo Bank National Association(SD) | 19 | $10.4M |
| 4 | The Huntington National Bank(OH) | 15 | $1.6M |
| 5 | TD Bank, National Association(DE) | 14 | $13.3M |
Tire and Tube Merchant Wholesalers Industry Context
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How Does SBA Lending Work for Tire and Tube Merchant Wholesalers Businesses?
Across all SBA loan programs, 349 loans have been approved for businesses classified under NAICS 423130 (Tire and Tube Merchant Wholesalers), representing $187.4M in total capital deployed. The average approved loan of $537K is 58% above avg the national SBA average of $340K, with typical repayment terms of 135 months.
SBA lending for tire and tube merchant wholesalers has remained relatively stable across recent fiscal years. 132 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The industry sees a balanced mix of SBA programs, with 16% 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 tire and tube 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 — Tire and Tube Merchant Wholesalers SBA Loans
What is the average SBA loan size for tire and tube merchant wholesalers businesses?
Which SBA loan program is best for a tire and tube merchant wholesalers business?
How many lenders fund SBA loans for tire and tube merchant wholesalers?
What states have the most SBA lending for tire and tube merchant wholesalers?
How does PeerSense help tire and tube merchant wholesalers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Tire and Tube Merchant Wholesalers defined by NAICS code 423130. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.