SBA by industry · NAICS 44 and 45, excluding gas, convenience and pharmacy
SBA lenders for retail stores
1,110 lenders made at least one SBA loan to retail stores in the 36 months ending September 30, 2026. The Huntington National Bank made the most, with 1,337 of the 17,763 on record.
- Evidence
- SBA 7(a) and 504 first-lien loans, 36 months ending September 30, 2026
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 1,110
- SBA FOIA,
- SBA loans, 36 months
- 17,763
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $9.06B
- SBA FOIA,
- Typical loan
- $200K
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for retail stores, https://lender.report/sba-lenders-for/retail/, data as of September 30, 2026.
Describe a deal
See which lenders made SBA loans to retail stores, at your size and in your state. No account and no form.
| Lender | Kind | Based in | Loans | Dollars | Last 12 months |
|---|---|---|---|---|---|
| The Huntington National Bank | Bank | Columbus, OH | 1,337 | $406M | 204 |
| TD Bank, National Association | Bank | Wilmington, DE | 804 | $165M | 153 |
| Newtek Bank, National Association | Bank | Miami, FL | 795 | $250M | 365 |
| U.S. Bank National Association | Bank | Cincinnati, OH | 735 | $245M | 208 |
| Manufacturers and Traders Trust Company | Bank | Buffalo, NY | 698 | $86.7M | 265 |
| Readycap Lending, LLC | Non-bank | Berkeley Heights, NJ | 668 | $220M | 101 |
| Northeast Bank | Bank | Portland, ME | 665 | $105M | 165 |
| BayFirst National Bank | Bank | Saint Petersburg, FL | 541 | $86.9M | 1 |
| Wells Fargo Bank, National Association | Bank | Sioux Falls, SD | 536 | $192M | 79 |
| JPMorgan Chase Bank, National Association | Bank | Columbus, OH | 451 | $159M | 70 |
| Lendistry SBLC, LLC | Non-bank | Los Angeles, CA | 392 | $78.7M | 65 |
| Celtic Bank | Bank | Salt Lake City, UT | 364 | $155M | 98 |
| United Midwest Savings Bank, National Association | Bank | Degraff, OH | 347 | $59.7M | 124 |
| Live Oak Banking Company | Bank | Wilmington, NC | 281 | $372M | 87 |
| Zions Bancorporation, N.A. | Bank | Salt Lake City, UT | 258 | $67.9M | 81 |
| KeyBank National Association | Bank | Cleveland, OH | 215 | $69.6M | 42 |
| Hanmi Bank | Bank | Los Angeles, CA | 192 | $179M | 78 |
| Bank of America, National Association | Bank | Charlotte, NC | 189 | $157M | 46 |
| Bank of Hope | Bank | Los Angeles, CA | 181 | $142M | 83 |
| Columbia Bank | Bank | Roseburg, OR | 161 | $21.8M | 47 |
| First Bank of the Lake | Bank | Osage Beach, MO | 155 | $93.5M | 31 |
| Harvest Small Business Finance, LLC | Non-bank | Laguna Hills, CA | 147 | $127M | 57 |
| First Internet Bank of Indiana | Bank | Fishers, IN | 136 | $185M | 25 |
| Colony Bank | Bank | Fitzgerald, GA | 121 | $34.4M | 24 |
| Banco Popular de Puerto Rico | Bank | San Juan, PR | 105 | $10.8M | 43 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| State | Loans | Dollars |
|---|---|---|
| California | 2,399 | $1.38B |
| New York | 1,495 | $571M |
| Florida | 1,254 | $703M |
| Texas | 1,204 | $710M |
| Ohio | 698 | $258M |
| New Jersey | 652 | $368M |
| Michigan | 646 | $318M |
| Colorado | 603 | $378M |
| Pennsylvania | 577 | $239M |
| Illinois | 539 | $326M |
| Georgia | 533 | $522M |
| Washington | 470 | $240M |
| Minnesota | 426 | $181M |
| Massachusetts | 421 | $130M |
| North Carolina | 387 | $191M |
| Industry | Loans |
|---|---|
| Beer, Wine, and Liquor Retailers | 1,731 |
| Clothing and Clothing Accessories Retailers | 1,579 |
| Supermarkets and Other Grocery Retailers (except Convenience Retailers) | 1,072 |
| All Other Miscellaneous Retailers | 974 |
| All Other General Merchandise Retailers | 774 |
| Used Car Dealers | 676 |
| Sporting Goods Retailers | 672 |
| Automotive Parts and Accessories Retailers | 562 |
- SBA lenders recorded 17,763 loans to retail stores totaling $9.1B in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The five most active lenders made 24.6% of those loans. SBA FOIA,
- Banks and savings institutions made 15,570 of them, credit unions 588, and non-banks 1,735. SBA FOIA,
- 214 lenders recorded 10 or more of these loans. SBA FOIA,
- 53 of these loans were made by lenders that have since merged or closed, or that the file lists under a name with no lender record here. They are counted in the totals here and appear in no lender's row. SBA FOIA,
- The SBA file shows 5,028 approvals of these loans dated in the 12 months to September 30, 2026, versus 6,735 in the prior 12 months. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- The typical SBA loans to retail store in this group was about $200K, with the middle half between $70K and $530K. SBA FOIA,
- Lenders reported a median rate of 10.25% on 16,880 loans in this group, with the middle half between 9.25% and 11.25%. SBA FOIA,
- The median term in this group was 10 years. SBA FOIA,
- California (2,399), New York (1,495), Florida (1,254) recorded the most of these loans. SBA FOIA,
- The most common detailed industry was Beer, Wine, and Liquor Retailers (1,731 loans). SBA FOIA,
How this list is defined
- Measure
- SBA loans made to retail stores
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens, dated in the 36 months ending September 30, 2026 and not cancelled, whose NAICS code in the SBA file falls in NAICS 44 and 45, excluding gas, convenience and pharmacy.
- Order
- Largest first by loans in the 36 months, then dollars, then name. Payment is not part of the order.
- As of
- September 30, 2026
- Source
- SBA FOIA
- Changelog
- : First published, with the data built on this date.
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Every loan counted here carried one of these NAICS codes in the SBA file. Loans are approvals, net of cancelled approvals. Lenders that merged or stopped filing are left out.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.