SBA lending by industry
Retail Trade
SBA lenders funded 134,438 7(a) and 504 loans in Retail Trade since FY2010, totaling $67.1B at an average of $499K per loan. The most active lender in this sector is Live Oak Banking Company, and the most funding goes to California.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
Do you qualify as a small business here?
To use an SBA loan, your business has to count as small under the SBA size standard for its specific NAICS code. In Retail Trade, standards are generally based on your average annual receipts (revenue), but the exact threshold is set per 6-digit NAICS code and varies within the sector, so check yours with the official tool. Our eligibility guide explains the rest.
Check your SBA size standardMost active SBA lenders in Retail Trade
| Lender | Loans | Total volume |
|---|---|---|
| Live Oak Banking Company | 1,800 | $2.4B |
| The Huntington National Bank | 8,274 | $2.1B |
| Wells Fargo Bank National Association | 8,125 | $2.1B |
| Celtic Bank Corporation | 2,102 | $1.6B |
| Metro City Bank | 1,139 | $1.6B |
| Bank of Hope | 2,367 | $1.4B |
| U.S. Bank, National Association | 4,558 | $1.4B |
| Byline Bank | 1,094 | $1.2B |
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Where Retail Trade loans go
| State | Loans | Total volume |
|---|---|---|
| California | 18,776 | $12.7B |
| Texas | 9,834 | $6.5B |
| Georgia | 4,721 | $4.2B |
| New York | 9,538 | $3.7B |
| Florida | 6,975 | $3.6B |
| Washington | 4,027 | $3.1B |
| Illinois | 4,030 | $2.3B |
| New Jersey | 4,093 | $2.2B |
Retail Trade SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 8,101 | $2.5B |
| 2011 | 9,065 | $3.5B |
| 2012 | 7,816 | $3.1B |
| 2013 | 7,627 | $3.2B |
| 2014 | 7,831 | $3.1B |
| 2015 | 9,410 | $3.9B |
| 2016 | 9,126 | $3.7B |
| 2017 | 8,918 | $3.9B |
| 2018 | 8,126 | $3.7B |
| 2019 | 7,265 | $3.6B |
| 2020 | 6,316 | $4.0B |
| 2021 | 8,876 | $7.0B |
| 2022 | 6,979 | $4.7B |
| 2023 | 7,551 | $4.5B |
| 2024 | 8,653 | $4.7B |
| 2025 | 9,541 | $5.5B |
| 2026 | 3,237 | $2.3B |
SBA lending in Retail Trade: frequently asked questions
How much SBA lending goes to Retail Trade?
SBA lenders funded 134,438 7(a) and 504 loans in Retail Trade totaling $67.1B in the public SBA data (as of 2026-03-31), an average of $499K per loan.
Who is the most active SBA lender for Retail Trade?
Live Oak Banking Company is the most active SBA lender in the Retail Trade sector in the public data, by funded volume.
Which states get the most SBA lending in Retail Trade?
The most SBA funding for Retail Trade goes to California.