How Much Can Used Merchandise Stores Businesses Get in SBA Loans?
2,458 SBA loans totaling $423.0M have been approved for used merchandise stores businesses (NAICS 453310). The average approved SBA loan is $172K, which is 49% below avg the $340K national average. 511 active lenders fund this industry with a 17.3% default rate on the matured 2018-2021 loan cohort.
At 17.3%, Used Merchandise Stores 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 453310 (Used Merchandise Stores) received 2,458 SBA loans worth $423.0M across 5+ states. Average loan $172K, average term 120 months, 17.3% default rate (resolved-loan basis).511 active SBA-approved lenders fund this industry. Most used merchandise stores loans use the SBA 7(a) program. There are approximately 19,186 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Used Merchandise Stores?-89% decline
Which SBA Program Do Used Merchandise Stores Businesses Use Most?
What Is the Best SBA Loan for Used Merchandise Stores?
The most widely used SBA program for used merchandise stores businesses — flexible terms, multiple use cases
Where Are Used Merchandise Stores SBA Loans Most Common?
Top SBA Lenders for Used Merchandise Stores
These banks have funded the most SBA loans for used merchandise stores businesses (NAICS 453310). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 172 | $5.2M |
| 2 | Wells Fargo Bank National Association(SD) | 152 | $28.3M |
| 3 | Citizens Bank, National Association(RI) | 125 | $3.6M |
| 4 | JPMorgan Chase Bank, National Association(OH) | 94 | $11.5M |
| 5 | U.S. Bank, National Association(OH) | 93 | $16.3M |
Used Merchandise Stores Industry Context
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How Does SBA Lending Work for Used Merchandise Stores Businesses?
Across all SBA loan programs, 2,458 loans have been approved for businesses classified under NAICS 453310 (Used Merchandise Stores), representing $423.0M in total capital deployed. The average approved loan of $172K is 49% below avg the national SBA average of $340K, with typical repayment terms of 120 months.
SBA lending for used merchandise stores has contracted approximately 89% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 511 lenders remain active, maintaining competitive options for qualified borrowers.
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.
PeerSense specializes in matching used merchandise 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 — Used Merchandise Stores SBA Loans
What is the average SBA loan size for used merchandise stores businesses?
Which SBA loan program is best for a used merchandise stores business?
How many lenders fund SBA loans for used merchandise stores?
What states have the most SBA lending for used merchandise stores?
How does PeerSense help used merchandise stores businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Used Merchandise Stores defined by NAICS code 453310. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.