Retail Trade

299,566 SBA loans totaling $98.7B.

Total Loans

299,566

1991–2025

Total Volume

$98.7B

Gross approval amount

Avg Loan Size

$329K

Median: $115K

Default Rate

15.8%

Avg rate: 7.21%

Active15%

Paid in Full57.8%

Charged Off13.6%

Cancelled12.4%

Committed0.8%

Get the complete SBA loan summary for all 20 NAICS industry sectors as a CSV — including loan counts, volume, rates, and default data.

Lender	Loans	Volume▼	Avg Rate	Default Rate
Wells Fargo Bank National Association	16,720	$3.8B	8.19%	15.6%
Bank of Hope	10,518	$2.8B	6.27%	35.2%
Live Oak Banking Company	1,774	$2.4B	6.47%	3.1%
U.S. Bank, National Association	10,024	$2.3B	7.49%	14.8%
Readycap Lending, LLC	4,029	$2.2B	10.33%	26.8%
The Huntington National Bank	9,950	$1.9B	6.98%	9.0%
Hanmi Bank	2,835	$1.7B	6.49%	9.0%
Celtic Bank Corporation	2,175	$1.7B	7.47%	9.9%
Metro City Bank	1,221	$1.7B	5.96%	2.2%
JPMorgan Chase Bank, National Association	11,837	$1.5B	7.62%	22.1%
Columbia Bank	3,800	$1.3B	7.02%	14.7%
Byline Bank	1,189	$1.2B	7.43%	7.8%
PNC Bank, National Association	8,101	$1.2B	7.71%	20.9%
Bank of America, National Association	16,592	$1.1B	7.27%	29.0%
Commonwealth Business Bank	1,256	$1.1B	6.20%	1.0%
TD Bank, National Association	6,128	$1.0B	9.38%	12.6%
PCB Bank	1,068	$910.0M	6.02%	6.7%
Open Bank	785	$890.1M	6.44%	1.0%
Truist Bank	3,284	$856.5M	6.22%	13.6%
Enterprise Bank & Trust	849	$845.3M	6.17%	3.5%
Business Loan Center, LLC	1,955	$836.9M	N/A	40.6%
Comerica Bank	1,981	$832.6M	6.51%	25.4%
Newtek Small Business Finance, Inc.	1,452	$827.2M	7.24%	8.9%
BMO Bank National Association	2,385	$806.7M	5.81%	13.1%
Manufacturers and Traders Trust Company	6,032	$759.4M	7.85%	12.1%

Sub-Industry	Loans	Volume▼	Avg Size	Default Rate
Gasoline Stations with Convenience Stores	22,247	$16.7B	$752K	12.7%
Supermarkets and Other Grocery (except Convenience) Stores	14,887	$7.2B	$482K	16.1%
Beer, Wine, and Liquor Stores	17,376	$6.7B	$387K	8.9%
Pharmacies and Drug Stores	8,068	$3.7B	$462K	5.7%
New Car Dealers	3,596	$2.8B	$789K	12.6%
Used Car Dealers	8,402	$2.8B	$331K	15.9%
Convenience Stores	10,178	$2.7B	$266K	13.8%
Furniture Stores	6,225	$2.3B	$367K	21.8%
Sporting Goods Stores	10,837	$2.1B	$198K	17.8%
Hardware Stores	6,513	$2.1B	$324K	14.1%
All Other Miscellaneous Store Retailers (except Tobacco Stores)	11,532	$2.0B	$170K	20.4%
Automotive Parts and Accessories Stores	6,645	$1.7B	$258K	16.3%
Other Building Material Dealers	4,424	$1.7B	$375K	15.2%
All Other Specialty Food Stores	6,578	$1.3B	$192K	20.3%
Floor Covering Stores	4,478	$1.2B	$276K	17.8%
Other Direct Selling Establishments	4,001	$1.1B	$287K	14.5%
Electronic Shopping and Mail-Order Houses	3,070	$1.1B	$356K	9.6%
Gift, Novelty, and Souvenir Stores	8,741	$1.0B	$117K	21.7%
Jewelry Stores	5,790	$992.6M	$171K	14.9%
Baked Goods Stores	3,348	$876.4M	$262K	12.6%
Tire Dealers	2,231	$855.2M	$383K	12.2%
Other Gasoline Stations	2,168	$802.5M	$370K	16.1%
Nursery and Garden Centers	2,719	$767.2M	$282K	14.6%
Boat Dealers	1,677	$751.7M	$448K	11.8%
All Other Home Furnishings Stores	3,339	$745.6M	$223K	22.5%

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