How Much Can Women's Clothing Stores Businesses Get in SBA Loans?
5,936 SBA loans totaling $712.4M have been approved for women's clothing stores businesses (NAICS 448120). The average approved SBA loan is $120K, which is 65% below avg the $340K national average. 844 active lenders fund this industry with a 25.8% default rate on the matured 2018-2021 loan cohort.
At 25.8%, Women's Clothing Stores 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 448120 (Women's Clothing Stores) received 5,936 SBA loans worth $712.4M across 5+ states. Average loan $120K, average term 91 months, 25.8% default rate (resolved-loan basis).844 active SBA-approved lenders fund this industry. Most women's clothing stores loans use the SBA 7(a) program.
Is SBA Lending Growing for Women's Clothing Stores?-92% decline
Which SBA Program Do Women's Clothing Stores Businesses Use Most?
What Is the Best SBA Loan for Women's Clothing Stores?
The most widely used SBA program for women's clothing stores businesses — flexible terms, multiple use cases
Where Are Women's Clothing Stores SBA Loans Most Common?
Top SBA Lenders for Women's Clothing Stores
These banks have funded the most SBA loans for women's clothing stores businesses (NAICS 448120). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 521 | $30.9M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 406 | $31.0M |
| 3 | Wells Fargo Bank National Association(SD) | 382 | $42.7M |
| 4 | Bank of Hope(CA) | 285 | $31.0M |
| 5 | U.S. Bank, National Association(OH) | 204 | $21.5M |
Women's Clothing Stores Industry Context
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How Does SBA Lending Work for Women's Clothing Stores Businesses?
Across all SBA loan programs, 5,936 loans have been approved for businesses classified under NAICS 448120 (Women's Clothing Stores), representing $712.4M in total capital deployed. The average approved loan of $120K is 65% below avg the national SBA average of $340K, with typical repayment terms of 91 months.
SBA lending for women's clothing stores has contracted approximately 92% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 844 lenders remain active, maintaining competitive options for qualified borrowers.
The overwhelming majority of SBA lending for women's clothing stores 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 women's clothing 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 — Women's Clothing Stores SBA Loans
What is the average SBA loan size for women's clothing stores businesses?
Which SBA loan program is best for a women's clothing stores business?
How many lenders fund SBA loans for women's clothing stores?
What states have the most SBA lending for women's clothing stores?
How does PeerSense help women's clothing stores businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Women's Clothing Stores defined by NAICS code 448120. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.