Retail Trade
Most active lenders
1The Huntington National Bank$1.4B approved · $299K average4,715loans2Wells Fargo Bank National Association$986.2M approved · $236K average4,179loans3TD Bank, National Association$408.4M approved · $138K average2,959loans4U.S. Bank, National Association$653.2M approved · $294K average2,221loans5Manufacturers and Traders Trust Company$246.3M approved · $131K average1,883loans
Ranked by loans written into this sector since FY2016.
Approvals by fiscal year
Hatched bar is FY2026, a partial year. The snapshot ends 30 June 2026.
7,328 loans in FY2025▼ 1% vs FY202437,731 loans since FY2021
Industries in Retail Trade
126 profiledGasoline Stations with Convenience StoresNAICS 447110 · 1,209 lenders18,150$13.8B$758K5.4%9.75%Supermarkets and Other Grocery Retailers (except Convenience Retailers)NAICS 445110 · 1,209 lenders12,690$6.0B$471K6.4%10.25%Beer, Wine, and Liquor StoresNAICS 445310 · 1,163 lenders14,990$5.8B$386K4.0%10.50%Gasoline Stations with Convenience StoresNAICS 457110 · 337 lenders2,152$3.5B$1.6M0.1%9.50%Pharmacies and Drug StoresNAICS 446110 · 916 lenders7,077$3.2B$458K2.8%—Used Car DealersNAICS 441120 · 890 lenders7,156$2.3B$328K4.8%10.75%New Car DealersNAICS 441110 · 663 lenders3,017$2.3B$763K4.5%10.00%Convenience StoresNAICS 445120 · 918 lenders8,640$2.3B$265K6.0%—Furniture StoresNAICS 442110 · 788 lenders5,506$2.0B$362K8.5%—Sporting Goods StoresNAICS 451110 · 1,269 lenders9,907$1.9B$194K7.9%—Hardware StoresNAICS 444130 · 1,083 lenders5,925$1.9B$319K6.8%—Beer, Wine, and Liquor RetailersNAICS 445320 · 355 lenders2,257$1.9B$835K0.1%9.75%All Other Miscellaneous Store Retailers (except Tobacco Stores)NAICS 453998 · 1,066 lenders10,278$1.7B$170K8.5%—Automotive Parts and Accessories StoresNAICS 441310 · 859 lenders5,856$1.5B$259K5.7%—Other Building Material DealersNAICS 444190 · 696 lenders3,898$1.5B$372K6.2%—Floor Covering StoresNAICS 442210 · 704 lenders3,986$1.1B$275K8.9%—All Other Specialty Food StoresNAICS 445299 · 761 lenders5,743$1.1B$187K11.0%—Other Direct Selling EstablishmentsNAICS 454390 · 633 lenders3,575$1.0B$283K5.7%—Electronic Shopping and Mail-Order HousesNAICS 454110 · 429 lenders2,749$971.7M$353K4.9%11.00%Gift, Novelty, and Souvenir StoresNAICS 453220 · 1,028 lenders7,984$924.1M$116K10.8%—Jewelry StoresNAICS 448310 · 736 lenders5,160$880.6M$171K5.7%—Baked Goods RetailersNAICS 445291 · 572 lenders2,903$765.0M$264K3.4%10.25%Tire DealersNAICS 441320 · 448 lenders1,945$742.2M$382K4.8%—Pharmacies and Drug RetailersNAICS 456110 · 211 lenders936$676.5M$723K0.8%10.25%All Other Home Furnishings StoresNAICS 442299 · 526 lenders2,972$673.8M$227K10.5%—Nursery, Garden Center, and Farm Supply StoresNAICS 444220 · 556 lenders2,391$671.9M$281K6.8%—Boat DealersNAICS 441222 · 430 lenders1,473$655.9M$445K5.9%10.00%Pet and Pet Supplies StoresNAICS 453910 · 506 lenders2,515$653.6M$260K11.3%—Women's Clothing StoresNAICS 448120 · 837 lenders5,442$640.0M$118K11.8%—Other Gasoline StationsNAICS 447190 · 382 lenders1,734$633.5M$365K9.3%—Recreational Vehicle DealersNAICS 441210 · 391 lenders1,276$610.1M$478K5.7%10.50%Cosmetics, Beauty Supplies, and Perfume StoresNAICS 446120 · 375 lenders3,301$602.2M$182K6.5%—FloristsNAICS 453110 · 933 lenders5,260$600.6M$114K9.8%—Vending Machine OperatorsNAICS 454210 · 588 lenders3,371$596.7M$177K6.9%—Other Clothing StoresNAICS 448190 · 614 lenders3,988$594.7M$149K8.9%—Clothing and Clothing Accessories RetailersNAICS 458110 · 365 lenders1,941$590.0M$304K0.6%10.75%All Other General Merchandise StoresNAICS 452990 · 626 lenders3,757$578.9M$154K12.2%—Motorcycle, ATV, and Personal Watercraft DealersNAICS 441221 · 432 lenders1,641$531.7M$324K10.4%—Electronic ShoppingNAICS 454111 · 319 lenders2,585$530.3M$205K8.2%11.50%Motorcycle, ATV, and All Other Motor Vehicle DealersNAICS 441228 · 269 lenders665$524.8M$789K2.8%—All Other Miscellaneous RetailersNAICS 459999 · 244 lenders1,218$497.1M$408K0.9%10.75%Meat MarketsNAICS 445210 · 499 lenders1,832$445.9M$243K8.7%—Hobby, Toy, and Game StoresNAICS 451120 · 624 lenders3,299$425.4M$129K11.0%—Other Building Material DealersNAICS 444180 · 194 lenders499$424.9M$851K0.2%10.00%Convenience RetailersNAICS 445131 · 210 lenders865$422.5M$488K0.1%10.00%Hardware RetailersNAICS 444140 · 173 lenders468$406.0M$868K0.0%9.50%Family Clothing StoresNAICS 448140 · 597 lenders3,226$404.2M$125K10.7%—Computer and Software StoresNAICS 443120 · 545 lenders2,976$402.6M$135K12.8%—Office Supplies and Stationery StoresNAICS 453210 · 475 lenders2,072$400.1M$193K8.9%—Shoe StoresNAICS 448210 · 475 lenders2,553$398.6M$156K10.7%—Sporting Goods RetailersNAICS 459110 · 298 lenders883$397.6M$450K0.4%10.49%All Other Health and Personal Care StoresNAICS 446199 · 367 lenders1,811$392.8M$217K8.4%—Used Merchandise StoresNAICS 453310 · 486 lenders2,200$378.9M$172K5.3%—Musical Instrument and Supplies StoresNAICS 451140 · 459 lenders1,887$373.4M$198K5.6%—All Other General Merchandise RetailersNAICS 455219 · 211 lenders1,085$354.9M$327K0.5%11.00%Automotive Parts and Accessories RetailersNAICS 441330 · 209 lenders712$348.2M$489K0.1%10.50%Radio, Television, and Other Electronics StoresNAICS 443112 · 359 lenders2,219$330.2M$149K20.5%—Furniture RetailersNAICS 449110 · 177 lenders477$319.6M$670K0.7%10.50%Household Appliance StoresNAICS 443111 · 421 lenders1,606$302.2M$188K11.7%—Food (Health) Supplement StoresNAICS 446191 · 357 lenders1,733$301.3M$174K11.2%—Home CentersNAICS 444110 · 280 lenders682$291.2M$427K7.1%9.88%All Other Specialty Food RetailersNAICS 445298 · 228 lenders583$273.1M$468K0.5%10.25%Cosmetics, Beauty Supplies, and Perfume RetailersNAICS 456120 · 153 lenders634$272.8M$430K1.1%10.50%All Other Motor Vehicle DealersNAICS 441229 · 265 lenders885$260.1M$294K7.1%—Book StoresNAICS 451211 · 504 lenders2,024$255.3M$126K11.0%—Electronics StoresNAICS 443142 · 225 lenders883$243.1M$275K6.9%—Electronics and Appliance RetailersNAICS 449210 · 142 lenders451$240.9M$534K0.8%10.50%Clothing Accessories StoresNAICS 448150 · 330 lenders2,036$239.7M$118K9.1%—Outdoor Power Equipment StoresNAICS 444210 · 259 lenders762$235.9M$310K5.6%—Pet and Pet Supplies RetailersNAICS 459910 · 147 lenders466$228.0M$489K0.2%10.25%Fruit and Vegetable RetailersNAICS 445230 · 227 lenders906$217.7M$240K8.3%10.50%Motorcycle, ATV, and All Other Motor Vehicle DealersNAICS 441227 · 129 lenders233$214.4M$920K0.5%10.25%Jewelry RetailersNAICS 458310 · 154 lenders478$204.0M$427K0.2%10.75%Confectionery and Nut RetailersNAICS 445292 · 296 lenders1,080$201.3M$186K9.1%9.95%Art DealersNAICS 453920 · 247 lenders1,144$193.0M$169K7.4%—Tobacco StoresNAICS 453991 · 298 lenders1,384$189.7M$137K6.7%—Optical Goods StoresNAICS 446130 · 230 lenders925$189.5M$205K5.8%—Floor Covering RetailersNAICS 449121 · 116 lenders274$183.9M$671K0.4%10.25%Men's Clothing StoresNAICS 448110 · 250 lenders1,009$171.5M$170K9.9%—Nursery, Garden Center, and Farm Supply RetailersNAICS 444240 · 137 lenders299$159.6M$534K0.4%10.00%Sewing, Needlework, and Piece Goods StoresNAICS 451130 · 418 lenders1,524$159.2M$104K6.9%—Children's and Infants' Clothing StoresNAICS 448130 · 361 lenders1,613$157.6M$98K11.8%—Hobby, Toy, and Game RetailersNAICS 459120 · 144 lenders535$152.1M$284K0.5%10.50%Heating Oil DealersNAICS 454311 · 177 lenders718$150.8M$210K6.0%—Paint and Wallpaper RetailersNAICS 444120 · 216 lenders641$148.1M$231K7.3%9.55%Household Appliance StoresNAICS 443141 · 135 lenders297$141.5M$476K0.9%—All Other Home Furnishings RetailersNAICS 449129 · 158 lenders351$140.8M$401K0.1%10.50%FloristsNAICS 459310 · 174 lenders427$137.2M$321K0.1%10.25%Tire DealersNAICS 441340 · 114 lenders245$136.1M$555K0.3%10.38%Used Merchandise RetailersNAICS 459510 · 126 lenders372$135.2M$363K1.4%10.50%Window Treatment StoresNAICS 442291 · 165 lenders786$132.5M$169K7.9%—Gift, Novelty, and Souvenir RetailersNAICS 459420 · 158 lenders426$125.1M$294K0.7%10.50%Fuel DealersNAICS 454310 · 135 lenders332$113.2M$341K1.2%—Meat RetailersNAICS 445240 · 121 lenders206$112.1M$544K0.2%10.25%Window Treatment RetailersNAICS 449122 · 69 lenders245$109.2M$446K0.7%10.50%All Other Health and Personal Care RetailersNAICS 456199 · 92 lenders273$99.5M$364K2.0%10.50%Outdoor Power Equipment RetailersNAICS 444230 · 81 lenders145$97.9M$675K0.7%10.50%Liquefied Petroleum Gas (Bottled Gas) DealersNAICS 454312 · 166 lenders358$94.1M$263K1.9%—Food (Health) Supplement RetailersNAICS 456191 · 98 lenders264$84.9M$322K1.1%10.50%All Other General Merchandise StoresNAICS 452319 · 102 lenders249$83.9M$337K1.7%—Vending Machine OperatorsNAICS 445132 · 93 lenders532$80.2M$151K0.4%10.25%Fish and Seafood MarketsNAICS 445220 · 133 lenders511$79.3M$155K7.4%—Other Gasoline StationsNAICS 457120 · 36 lenders53$70.6M$1.3M0.1%10.00%Shoe RetailersNAICS 458210 · 77 lenders190$70.6M$371K0.6%10.50%Mail-Order HousesNAICS 454113 · 92 lenders242$68.0M$281K9.3%—Tobacco, Electronic Cigarette, and Other Smoking Supplies RetailersNAICS 459991 · 82 lenders180$66.4M$369K0.1%10.62%Camera and Photographic Supplies StoresNAICS 443130 · 137 lenders399$64.9M$163K11.5%—Musical Instrument and Supplies RetailersNAICS 459140 · 77 lenders149$64.5M$433K0.2%10.25%Prerecorded Tape, Compact Disc, and Record StoresNAICS 451220 · 217 lenders784$63.2M$81K15.4%—Manufactured (Mobile) Home DealersNAICS 453930 · 127 lenders274$58.1M$212K11.5%—Art DealersNAICS 459920 · 60 lenders125$50.3M$402K0.4%11.00%Department StoresNAICS 455110 · 44 lenders87$49.6M$571K0.3%10.99%Office Supplies and Stationery RetailersNAICS 459410 · 49 lenders84$45.9M$546K0.1%10.25%Optical Goods RetailersNAICS 456130 · 49 lenders84$42.2M$503K1.5%11.00%Fuel DealersNAICS 457210 · 46 lenders75$41.1M$549K0.0%10.00%Department StoresNAICS 452110 · 112 lenders181$39.1M$216K6.7%—Book Retailers and News DealersNAICS 459210 · 92 lenders191$38.1M$199K0.6%10.50%Sewing, Needlework, and Piece Goods RetailersNAICS 459130 · 73 lenders130$36.1M$278K0.9%10.50%Warehouse Clubs and SupercentersNAICS 452910 · 86 lenders198$33.5M$169K30.1%—Luggage and Leather Goods StoresNAICS 448320 · 102 lenders285$31.1M$109K14.1%—Fish and Seafood RetailersNAICS 445250 · 42 lenders65$26.7M$410K0.7%10.50%Department Stores (except Discount Department Stores)NAICS 452111 · 43 lenders364$24.8M$68K19.5%—Other Fuel DealersNAICS 454319 · 81 lenders164$24.5M$150K6.4%—Electronic AuctionsNAICS 454112 · 48 lenders150$21.4M$142K10.1%—Discount Department StoresNAICS 452112 · 53 lenders136$15.9M$117K16.2%—News Dealers and NewsstandsNAICS 451212 · 56 lenders175$13.7M$78K10.9%—
This sector spans 131 NAICS codes in total. The 5 not listed each have fewer than 25 loans, which is too few for a loss rate to mean anything, so they are counted in the sector totals but not profiled on their own. Median rate is the initial rate on 7(a) loans approved FY2024 onward. It is left blank below 20 such loans, because these rates cluster on round numbers and a median off a handful reads as precise when it is not — and blank for any industry that borrows only on 504, which reports no interest rate at all.