How Much Can Wholesale Trade Agents and Brokers Businesses Get in SBA Loans?
2,041 SBA loans totaling $819.0M have been approved for wholesale trade agents and brokers businesses (NAICS 425120). The average approved SBA loan is $401K, which is 18% above avg the $340K national average. 358 active lenders fund this industry with a 18.7% default rate on the matured 2018-2021 loan cohort.
At 18.7%, Wholesale Trade Agents and Brokers 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 425120 (Wholesale Trade Agents and Brokers) received 2,041 SBA loans worth $819.0M across 5+ states. Average loan $401K, average term 110 months, 18.7% default rate (resolved-loan basis).358 active SBA-approved lenders fund this industry. Most wholesale trade agents and brokers loans use the SBA 7(a) program.
Is SBA Lending Growing for Wholesale Trade Agents and Brokers?+69% growth
Which SBA Program Do Wholesale Trade Agents and Brokers Businesses Use Most?
What Is the Best SBA Loan for Wholesale Trade Agents and Brokers?
The most widely used SBA program for wholesale trade agents and brokers businesses — flexible terms, multiple use cases
Where Are Wholesale Trade Agents and Brokers SBA Loans Most Common?
Top SBA Lenders for Wholesale Trade Agents and Brokers
These banks have funded the most SBA loans for wholesale trade agents and brokers businesses (NAICS 425120). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 146 | $23.8M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 118 | $17.0M |
| 3 | Bank of America, National Association(NC) | 101 | $9.1M |
| 4 | Manufacturers and Traders Trust Company(NY) | 86 | $27.1M |
| 5 | U.S. Bank, National Association(OH) | 73 | $17.4M |
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How Does SBA Lending Work for Wholesale Trade Agents and Brokers Businesses?
Across all SBA loan programs, 2,041 loans have been approved for businesses classified under NAICS 425120 (Wholesale Trade Agents and Brokers), representing $819.0M in total capital deployed. The average approved loan of $401K is 18% above avg the national SBA average of $340K, with typical repayment terms of 110 months.
SBA lending for wholesale trade agents and brokers is accelerating — loan volume has grown approximately 69% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.
The industry sees a balanced mix of SBA programs, with 9% 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 wholesale trade agents and brokers 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 — Wholesale Trade Agents and Brokers SBA Loans
What is the average SBA loan size for wholesale trade agents and brokers businesses?
Which SBA loan program is best for a wholesale trade agents and brokers business?
How many lenders fund SBA loans for wholesale trade agents and brokers?
What states have the most SBA lending for wholesale trade agents and brokers?
How does PeerSense help wholesale trade agents and brokers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Wholesale Trade Agents and Brokers defined by NAICS code 425120. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.