SBA by industry · TN
SBA lenders for retail stores in Tennessee
60 lenders made 216 SBA loans to retail stores in Tennessee in the 36 months ending September 30, 2026. The Huntington National Bank made the most, with 22. The typical loan was about $150K.
- Evidence
- SBA 7(a) and 504 loans to retail stores in Tennessee, NAICS 44 and 45, excluding gas, convenience and pharmacy
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 60
- SBA FOIA,
- SBA loans, 36 months
- 216
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $113M
- SBA FOIA,
- Last 12 months
- 43
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for retail stores in Tennessee, https://lender.report/sba-lenders-for/retail/tennessee/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| The Huntington National Bank SBA 7(a) record | Bank | Columbus, OH | 22 | $13.2M | 22 | 0 | 3 |
| Northeast Bank SBA 7(a) record | Bank | Portland, ME | 22 | $2.81M | 22 | 0 | 4 |
| Newtek Bank, National Association SBA 7(a) record | Bank | Miami, FL | 19 | $6.68M | 19 | 0 | 7 |
| U.S. Bank National Association SBA 7(a) record | Bank | Cincinnati, OH | 15 | $2.58M | 15 | 0 | 1 |
| BayFirst National Bank SBA 7(a) record | Bank | Saint Petersburg, FL | 14 | $4.62M | 14 | 0 | 0 |
| United Midwest Savings Bank, National Association SBA 7(a) record | Bank | Degraff, OH | 14 | $1.97M | 14 | 0 | 5 |
| Pinnacle Bank SBA 7(a) record | Bank | Nashville, TN | 9 | $10.6M | 9 | 0 | 0 |
| Regions Bank SBA 7(a) record | Bank | Birmingham, AL | 7 | $4.27M | 6 | 1 | 1 |
| First Bank of the Lake SBA 7(a) record | Bank | Osage Beach, MO | 7 | $2.33M | 6 | 1 | 1 |
| Readycap Lending, LLC SBA 7(a) record | Non-bank | Berkeley Heights, NJ | 7 | $1.39M | 7 | 0 | 1 |
| Celtic Bank SBA 7(a) record | Bank | Salt Lake City, UT | 6 | $2.48M | 6 | 0 | 1 |
| Wells Fargo Bank, National Association SBA 7(a) record | Bank | Sioux Falls, SD | 6 | $1.74M | 6 | 0 | 2 |
| Gulf Coast Bank and Trust Company SBA 7(a) record | Bank | New Orleans, LA | 5 | $3.21M | 5 | 0 | 2 |
| Citizens Bank SBA 7(a) record | Bank | Elizabethton, TN | 4 | $2.94M | 4 | 0 | 2 |
| Live Oak Banking Company SBA 7(a) record | Bank | Wilmington, NC | 3 | $9.10M | 3 | 0 | 0 |
| Decatur County Bank SBA 7(a) record | Bank | Decaturville, TN | 3 | $1.88M | 3 | 0 | 0 |
| Old National Bank SBA 7(a) record | Bank | Evansville, IN | 3 | $460K | 3 | 0 | 1 |
| Lendistry SBLC, LLC SBA 7(a) record | Non-bank | Los Angeles, CA | 3 | $400K | 3 | 0 | 0 |
| Byline Bank SBA 7(a) record | Bank | Chicago, IL | 2 | $2.25M | 2 | 0 | 0 |
| Wilson Bank and Trust SBA 7(a) record | Bank | Lebanon, TN | 2 | $2.05M | 2 | 0 | 1 |
| Harvest Small Business Finance, LLC SBA 7(a) record | Non-bank | Laguna Hills, CA | 2 | $1.67M | 2 | 0 | 0 |
| Colony Bank SBA 7(a) record | Bank | Fitzgerald, GA | 2 | $200K | 2 | 0 | 0 |
| T Bank, National Association SBA 504 record | Bank | Dallas, TX | 1 | $5.20M | 0 | 1 | 0 |
| Quill Bank SBA 7(a) record | Bank | Provo, UT | 1 | $4.00M | 1 | 0 | 0 |
| Commonwealth Business Bank SBA 7(a) record | Bank | Los Angeles, CA | 1 | $3.70M | 1 | 0 | 0 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| Clothing and Clothing Accessories Retailers | 21 |
| Vending Machine Operators | 18 |
| Beer, Wine, and Liquor Retailers | 16 |
| Other Building Material Dealers | 12 |
| Furniture Retailers | 10 |
| Hobby, Toy, and Game Retailers | 10 |
| Sporting Goods Retailers | 10 |
| Used Car Dealers | 9 |
| Supermarkets and Other Grocery Retailers (except Convenience Retailers) | 8 |
| All Other Home Furnishings Retailers | 7 |
| Loan size | Loans |
|---|---|
| Under $150K | 80 |
| $150K to $350K | 66 |
| $350K to $1M | 40 |
| $1M to $2.5M | 18 |
| $2.5M or more | 12 |
- SBA lenders recorded 216 loans to retail stores totaling $113M in Tennessee in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $150K, with the middle half between $100K and $500K. SBA FOIA,
- 210 were SBA 7(a) loans and 6 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 10.50% on 210 loans. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Banks and savings institutions made 201 of the loans, credit unions 1, and non-banks 13. SBA FOIA,
- The five most active lenders made 42.6% of the loans. SBA FOIA,
- The three most active lenders were Northeast Bank with 22, The Huntington National Bank with 22, and Newtek Bank, National Association with 19. SBA FOIA,
- 80 of the loans were under $150K, and 30 were $1M or more. SBA FOIA,
- 1 of these loans was made by lenders that have since merged or closed, that the file lists under a name with no lender record here, or that the loan tape shows only at a broader industry level. They are counted in the totals here and appear in no lender's row. SBA FOIA,
- The SBA file shows 43 approvals of these loans dated in the 12 months to September 30, 2026, versus 110 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 12 of the 60 lenders are based in Tennessee. The rest are based elsewhere, most often in North Carolina, Ohio and California. SBA FOIA,
- The most common detailed industry in Tennessee was Clothing and Clothing Accessories Retailers, with 21 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to retail stores in Tennessee
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens located in Tennessee, 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 state, 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.
What we don't know
- Whether any of these lenders is taking new SBA loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and these pages leave out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
Every loan counted here carried one of these NAICS codes in the SBA file, and the state of the loan is the state of the business. Loans are approvals, net of cancelled approvals. Lenders that merged or stopped filing are left out.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
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.