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Rates
NAICS 422330Wholesale Trade

How Much Can Women's, Children's, and Infants' Clothing and Accessories Wholesalers Businesses Get in SBA Loans?

892 SBA loans totaling $221.2M have been approved for women's, children's, and infants' clothing and accessories wholesalers businesses (NAICS 422330). The average approved SBA loan is $248K, which is 27% below avg the $340K national average. 201 active lenders fund this industry with a 15.6% default rate on the matured 2018-2021 loan cohort.

Above average default risk15.6% vs 15.4% all industry avg

At 15.6%, Women's, Children's, and Infants' Clothing and Accessories 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. The capital source prices this risk into rate and structure.

Quick Answer

NAICS 422330 (Women's, Children's, and Infants' Clothing and Accessories Wholesalers) received 892 SBA loans worth $221.2M across 5+ states. Average loan $248K, average term 120 months, 15.6% default rate (resolved loan basis).201 active SBA approved lenders fund this industry. Most women's, children's, and infants' clothing and accessories wholesalers loans use the SBA 7(a) program. There are approximately 388,706 U.S. establishments in this industry (Census 2022).

892
Total SBA Loans
$221.2M
Total Volume
$248K
Avg Loan Size
27% below avg
201
Active Lenders
120 mo
Avg Term
8% below avg
4,702
Jobs Supported

Which SBA Program Do Women's, Children's, and Infants' Clothing and Accessories Wholesalers Businesses Use Most?

SBA 7(a)836 (94%)
SBA 50456 (6%)

What Is the Best SBA Loan for Women's, Children's, and Infants' Clothing and Accessories Wholesalers?

SBA 7(a)

The most widely used SBA program for women's, children's, and infants' clothing and accessories wholesalers businesses: flexible terms, multiple use cases

Industry avg loan: $248K
Typical term: 120 months
201+ lenders active in this industry
Default rate (2018 to 21 matured cohort): 15.6%

Where Are Women's, Children's, and Infants' Clothing and Accessories Wholesalers SBA Loans Most Common?

#1
CA
336 loans
$129.5M
#2
NY
150 loans
$25.9M
#3
TX
60 loans
$11.8M
#4
FL
45 loans
$9.4M
#5
PR
37 loans
$3.5M

SBA Lending Activity in Women's, Children's, and Infants' Clothing and Accessories Wholesalers

201 SBA lenders have funded 892 loans to women's, children's, and infants' clothing and accessories wholesalers businesses (NAICS 422330). 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
892
Active lenders
201
Total volume
$221.2M
Avg loan size
$248K

Women's, Children's, and Infants' Clothing and Accessories Wholesalers Industry Context

U.S. Establishments
388,706
U.S. Census Bureau · 2022
U.S. Employment
28,615,000
BLS · 2026
SBA Penetration
0.23%
SBA loans per establishment

Talk to PeerSense

PeerSense sources capital for women's, children's, and infants' clothing and accessories wholesalers businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

$0

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense about financing a Women's, Children's, and Infants' Clothing and Accessories 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

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

How Does SBA Lending Work for Women's, Children's, and Infants' Clothing and Accessories Wholesalers Businesses?

Across all SBA loan programs, 892 loans have been approved for businesses classified under NAICS 422330 (Women's, Children's, and Infants' Clothing and Accessories Wholesalers), representing $221.2M in total capital deployed. The average approved loan of $248K is 27% below avg the national SBA average of $340K, with typical repayment terms of 120 months.

SBA lending for women's, children's, and infants' clothing and accessories wholesalers has remained relatively stable across recent fiscal years. 201 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 6% 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 women's, children's, and infants' clothing and accessories wholesalers file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

Frequently Asked Questions: Women's, Children's, and Infants' Clothing and Accessories Wholesalers SBA Loans

What is the average SBA loan size for women's, children's, and infants' clothing and accessories wholesalers businesses?
Based on 892 approved SBA loans, the average loan size for women's, children's, and infants' clothing and accessories wholesalers (NAICS 422330) is $248K. This compares to the national SBA average of $340K across all industries.
Which SBA loan program is best for a women's, children's, and infants' clothing and accessories wholesalers business?
SBA 7(a) is the most commonly used SBA program for women's, children's, and infants' clothing and accessories wholesalers businesses. The most widely used SBA program for women's, children's, and infants' clothing and accessories 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 women's, children's, and infants' clothing and accessories wholesalers?
201 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 women's, children's, and infants' clothing and accessories wholesalers file.
What states have the most SBA lending for women's, children's, and infants' clothing and accessories wholesalers?
CA leads with 336 SBA loans and $129.5M in total volume for women's, children's, and infants' clothing and accessories wholesalers businesses. NY, TX, FL also show strong lending activity in this sector.
How does PeerSense help women's, children's, and infants' clothing and accessories wholesalers businesses get SBA loans?
PeerSense is a capital advisory firm. Talk to PeerSense about a women's, children's, and infants' clothing and accessories wholesalers file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Data aggregated from SBA loan records (1992 to 2025). Women's, Children's, and Infants' Clothing and Accessories Wholesalers defined by NAICS code 422330. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.