What is the SBA loan default rate for Tobacco and Tobacco Product Wholesalers?

66 lenders actively fund Tobacco and Tobacco Product Wholesalers. A reliable default rate is shown only for industries with a large enough matured loan cohort; this one is below that threshold, so we do not publish a figure that would mislead.

Which SBA program is best for Tobacco and Tobacco Product Wholesalers?

The SBA 7(a) program is the most commonly used for Tobacco and Tobacco Product Wholesalers businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 422940Wholesale Trade

How Much Can Tobacco and Tobacco Product Wholesalers Businesses Get in SBA Loans?

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106 SBA loans totaling $33.6M have been approved for tobacco and tobacco product wholesalers businesses (NAICS 422940). The average approved SBA loan is $317K, which is 7% below avg the $340K national average. 66 active lenders fund this industry.

Quick Answer

NAICS 422940 (Tobacco and Tobacco Product Wholesalers) received 106 SBA loans worth $33.6M across 5+ states. Average loan $317K, average term 113 months.66 active SBA approved lenders fund this industry. Most tobacco and tobacco product wholesalers loans use the SBA 7(a) program. There are approximately 388,706 U.S. establishments in this industry (Census 2022).

106

Total SBA Loans

$33.6M

Total Volume

$317K

Avg Loan Size

7% below avg

Active Lenders

113 mo

Avg Term

13% below avg

777

Jobs Supported

Which SBA Program Do Tobacco and Tobacco Product Wholesalers Businesses Use Most?

SBA 7(a)95 (90%)

SBA 50411 (10%)

What Is the Best SBA Loan for Tobacco and Tobacco Product Wholesalers?

SBA 7(a)

The most widely used SBA program for tobacco and tobacco product wholesalers businesses: flexible terms, multiple use cases

Industry avg loan: $317K

Typical term: 113 months

66+ lenders active in this industry

Where Are Tobacco and Tobacco Product Wholesalers SBA Loans Most Common?

14 loans

$3.4M

14 loans

$4.5M

9 loans

$1.4M

8 loans

$3.0M

5 loans

$2.3M

SBA Lending Activity in Tobacco and Tobacco Product Wholesalers

66 SBA lenders have funded 106 loans to tobacco and tobacco product wholesalers businesses (NAICS 422940). 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.

Loans funded

106

Active lenders

Total volume

$33.6M

Avg loan size

$317K

Browse all SBA lenders

Tobacco and Tobacco Product Wholesalers Industry Context

U.S. Establishments

388,706

U.S. Census Bureau · 2022

U.S. Employment

28,615,000

BLS · 2026

SBA Penetration

0.03%

SBA loans per establishment

Talk to PeerSense

PeerSense sources capital for tobacco and tobacco product wholesalers businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Tobacco and Tobacco Product Wholesalers 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 big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

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Referral fee realized at closing · Or call (317) 452 6990

How Does SBA Lending Work for Tobacco and Tobacco Product Wholesalers Businesses?

Across all SBA loan programs, 106 loans have been approved for businesses classified under NAICS 422940 (Tobacco and Tobacco Product Wholesalers), representing $33.6M in total capital deployed. The average approved loan of $317K is 7% below avg the national SBA average of $340K, with typical repayment terms of 113 months.

SBA lending for tobacco and tobacco product wholesalers has remained relatively stable across recent fiscal years. 66 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 10% 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 tobacco and tobacco product wholesalers file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: Tobacco and Tobacco Product Wholesalers SBA Loans

What is the average SBA loan size for tobacco and tobacco product wholesalers businesses?

Based on 106 approved SBA loans, the average loan size for tobacco and tobacco product wholesalers (NAICS 422940) is $317K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a tobacco and tobacco product wholesalers business?

SBA 7(a) is the most commonly used SBA program for tobacco and tobacco product wholesalers businesses. The most widely used SBA program for tobacco and tobacco product wholesalers businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for tobacco and tobacco product wholesalers?

66 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a tobacco and tobacco product wholesalers file.

What states have the most SBA lending for tobacco and tobacco product wholesalers?

CA leads with 14 SBA loans and $3.4M in total volume for tobacco and tobacco product wholesalers businesses. NY, FL, PA also show strong lending activity in this sector.

How does PeerSense help tobacco and tobacco product wholesalers businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a tobacco and tobacco product wholesalers file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Wholesale Trade Industries

Other Miscellaneous Durable Goods Merchant Wholesalers

6,606 loans · N/A

Avg: $492K

Other Miscellaneous Nondurable Goods Merchant Wholesalers

5,447 loans · N/A

Avg: $500K

Other Grocery and Related Products Merchant Wholesalers

3,406 loans · N/A

Avg: $360K

Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesal

3,188 loans · N/A

Avg: $327K

Industrial Machinery and Equipment Merchant Wholesalers

2,758 loans · N/A

Avg: $508K

Women's, Children's, and Infants' Clothing and Accessories Merchant Wh

2,749 loans · N/A

Avg: $433K

Data aggregated from SBA loan records (1992 to 2025). Tobacco and Tobacco Product Wholesalers defined by NAICS code 422940. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.