How Much Can Warehouse Clubs and Superstores Businesses Get in SBA Loans?
221 SBA loans totaling $43.0M have been approved for warehouse clubs and superstores businesses (NAICS 452910). The average approved SBA loan is $194K, which is 43% below avg the $340K national average. 100 active lenders fund this industry with a 33.0% default rate on the matured 2018-2021 loan cohort.
At 33.0%, Warehouse Clubs and Superstores 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 452910 (Warehouse Clubs and Superstores) received 221 SBA loans worth $43.0M across 5+ states. Average loan $194K, average term 97 months, 33.0% default rate (resolved-loan basis).100 active SBA-approved lenders fund this industry. Most warehouse clubs and superstores loans use the SBA 7(a) program.
Which SBA Program Do Warehouse Clubs and Superstores Businesses Use Most?
What Is the Best SBA Loan for Warehouse Clubs and Superstores?
The most widely used SBA program for warehouse clubs and superstores businesses — flexible terms, multiple use cases
Where Are Warehouse Clubs and Superstores SBA Loans Most Common?
Top SBA Lenders for Warehouse Clubs and Superstores
These banks have funded the most SBA loans for warehouse clubs and superstores businesses (NAICS 452910). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of Hope(CA) | 29 | $716K |
| 2 | JPMorgan Chase Bank, National Association(OH) | 14 | $965K |
| 3 | Readycap Lending, LLC(NJ) | 14 | $13.5M |
| 4 | Manufacturers and Traders Trust Company(NY) | 10 | $837K |
| 5 | U.S. Bank, National Association(OH) | 7 | $2.9M |
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How Does SBA Lending Work for Warehouse Clubs and Superstores Businesses?
Across all SBA loan programs, 221 loans have been approved for businesses classified under NAICS 452910 (Warehouse Clubs and Superstores), representing $43.0M in total capital deployed. The average approved loan of $194K is 43% below avg the national SBA average of $340K, with typical repayment terms of 97 months.
SBA lending for warehouse clubs and superstores has remained relatively stable across recent fiscal years. 100 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The overwhelming majority of SBA lending for warehouse clubs and superstores 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 warehouse clubs and superstores 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 — Warehouse Clubs and Superstores SBA Loans
What is the average SBA loan size for warehouse clubs and superstores businesses?
Which SBA loan program is best for a warehouse clubs and superstores business?
How many lenders fund SBA loans for warehouse clubs and superstores?
What states have the most SBA lending for warehouse clubs and superstores?
How does PeerSense help warehouse clubs and superstores businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Warehouse Clubs and Superstores defined by NAICS code 452910. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.