Wholesale Trade

110,145 SBA loans totaling $45.7B.

Total Loans

110,145

1991–2025

Total Volume

$45.7B

Gross approval amount

Avg Loan Size

$415K

Median: $150K

Default Rate

13.8%

Avg rate: 7.20%

Loan Status

Active14.2%

Paid in Full60.5%

Charged Off12%

Cancelled12.2%

Committed0.8%

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Wholesale Trade — Annual Lending Volume

Top States

Loan Size Distribution

Top Lenders for Wholesale Trade

Lender	Loans	Volume▼	Avg Rate	Default Rate
Wells Fargo Bank National Association	6,443	$2.3B	7.44%	11.9%
U.S. Bank, National Association	3,841	$1.2B	7.37%	11.5%
JPMorgan Chase Bank, National Association	6,497	$1.2B	7.22%	18.9%
Bank of Hope	2,683	$1.0B	6.33%	23.7%
The Huntington National Bank	2,682	$908.0M	6.94%	5.9%
Bank of America, National Association	8,536	$800.2M	7.63%	32.3%
Truist Bank	1,273	$685.1M	5.74%	10.7%
TD Bank, National Association	3,073	$666.8M	9.00%	13.6%
East West Bank	980	$649.9M	5.80%	5.7%
BANK OF AMERICA, NATIONAL ASSOCIATION	532	$582.2M	N/A	0.2%
JPMORGAN CHASE BANK, NATIONAL ASSOCIATION	566	$545.4M	N/A	0.2%
Columbia Bank	1,139	$539.6M	6.79%	10.2%
PNC Bank, National Association	2,482	$522.2M	7.70%	15.6%
KeyBank National Association	1,532	$516.8M	6.63%	6.8%
Zions Bank, A Division of	2,012	$466.5M	7.55%	19.2%
Live Oak Banking Company	271	$443.5M	7.78%	0.4%
Newtek Small Business Finance, Inc.	499	$436.3M	7.26%	10.0%
Readycap Lending, LLC	743	$428.3M	10.80%	19.3%
WELLS FARGO BANK NATIONAL ASSOCIATION	338	$422.8M	N/A	0.3%
Newtek Bank, National Association	656	$415.1M	11.37%	0.0%
Manufacturers and Traders Trust Company	1,880	$404.1M	7.77%	11.0%
Byline Bank	303	$401.7M	6.92%	11.4%
Regions Bank	574	$396.3M	6.63%	6.6%
BMO Bank National Association	831	$368.6M	5.84%	8.4%
Enterprise Bank & Trust	369	$359.4M	5.84%	2.2%

Sub-Industries within Wholesale Trade

Sub-Industry	Loans	Volume▼	Avg Size	Default Rate
Other Miscellaneous Durable Goods Merchant Wholesalers	6,642	$3.3B	$491K	14.5%
Other Miscellaneous Nondurable Goods Merchant Wholesalers	5,474	$2.7B	$499K	14.5%
Industrial Machinery and Equipment Merchant Wholesalers	2,769	$1.4B	$507K	8.1%
Recyclable Material Merchant Wholesalers	1,799	$1.3B	$722K	7.8%
Other Grocery and Related Products Merchant Wholesalers	3,426	$1.2B	$360K	14.6%
General Line Grocery Merchant Wholesalers	1,951	$1.2B	$625K	12.8%
Women's, Children's, and Infants' Clothing and Accessories Merchant Wh	2,762	$1.2B	$433K	25.3%
Electrical Apparatus and Equipment, Wiring Supplies, and Related Equip	1,907	$1.2B	$611K	11.4%
Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesal	3,213	$1.0B	$327K	15.4%
Sporting and Recreational Goods and Supplies Merchant Wholesalers	2,587	$972.9M	$376K	13.3%
Motor Vehicle Supplies and New Parts Merchant Wholesalers	2,325	$956.9M	$412K	16.6%
Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesalers	1,630	$950.7M	$583K	15.9%
Wholesale Trade Agents and Brokers	2,052	$820.6M	$400K	13.9%
Other Electronic Parts and Equipment Merchant Wholesalers	1,746	$723.4M	$414K	16.6%
Furniture Merchant Wholesalers	1,368	$698.2M	$510K	16.2%
Automobile and Other Motor Vehicle Merchant Wholesalers	1,349	$696.6M	$516K	13.7%
Industrial Supplies Merchant Wholesalers	1,495	$681.5M	$456K	7.7%
Home Furnishing Merchant Wholesalers	1,579	$669.5M	$424K	18.8%
Metal Service Centers and Other Metal Merchant Wholesalers	1,036	$660.8M	$638K	8.8%
Meat and Meat Product Merchant Wholesalers	1,032	$642.2M	$622K	10.2%
Fresh Fruit and Vegetable Merchant Wholesalers	1,144	$621.9M	$544K	16.0%
Piece Goods, Notions, and Other Dry Goods Merchant Wholesalers	1,324	$611.5M	$462K	18.1%
Industrial Machinery and Equipment Wholesalers	2,054	$573.5M	$279K	7.9%
Drugs and Druggists' Sundries Merchant Wholesalers	1,600	$558.6M	$349K	22.4%
Jewelry, Watch, Precious Stone, and Precious Metal Merchant Wholesaler	2,006	$535.1M	$267K	21.8%

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