All Other Consumer Goods Rental: SBA business acquisition loan data
60 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as All Other Consumer Goods Rental (NAICS 532289), totaling $52.6M. Median loan $459,500, 29% lower than the all-acquisition median.
The purchase agreement decides what you bought, not the loan approval.
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Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $1,218,900 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.1% of all SBA-financed business purchases, ranking #146 of 300 industries tracked.
- Geography. Florida leads with 6 loans; the top five states account for 42% of the industry's acquisitions.
- Jobs. Lenders reported 627 jobs supported across these loans, about 10.4 per acquisition, a rough proxy for the size of business changing hands.
All Other Consumer Goods Rental acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 8 | $5.6M | $240,000 | |
| FY2019 | 12 | $10.7M | $428,000 | |
| FY2020 | 1 | $317K | $317,000 | |
| FY2021 | 4 | $4M | $1,011,500 | |
| FY2022 | 2 | $2M | $993,500 | |
| FY2023 | 6 | $4.1M | $339,150 | |
| FY2024 | 7 | $5.5M | $338,000 | |
| FY2025 | 11 | $10.8M | $893,000 | |
| FY2026 | 9 | $9.6M | $590,000 |
How often do these acquisition loans fail?
Of the 25 All Other Consumer Goods Rental acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 2 have been charged off by the SBA, a rate of 8.0% by loan count and 2.5% by dollars. 13 have already been paid in full.
For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so All Other Consumer Goods Rental is 127% higher than the acquisition-loan average. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Florida | 6 | 10.0% | $6.3M | |
| 2 | Minnesota | 5 | 8.3% | $5.2M | |
| 3 | Michigan | 5 | 8.3% | $4.6M | |
| 4 | New York | 5 | 8.3% | $1.3M | |
| 5 | New Jersey | 4 | 6.7% | $8.2M | |
| 6 | New Hampshire | 3 | 5.0% | $4.6M | |
| 7 | Colorado | 3 | 5.0% | $3.7M | |
| 8 | Massachusetts | 3 | 5.0% | $2.9M | |
| 9 | Texas | 3 | 5.0% | $1.4M | |
| 10 | Illinois | 2 | 3.3% | $3.2M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | BankVista | 4 | 6.7% | $5.1M | |
| 2 | Live Oak Banking Company | 3 | 5.0% | $6.7M | |
| 3 | Hyperion Bank | 3 | 5.0% | $6M | |
| 4 | Lake Elmo Bank | 2 | 3.3% | $3.2M | |
| 5 | First Internet Bank of Indiana | 2 | 3.3% | $2.3M | |
| 6 | The Huntington National Bank | 2 | 3.3% | $2M | |
| 7 | Old National Bank | 2 | 3.3% | $1.5M | |
| 8 | TowneBank | 2 | 3.3% | $1.3M | |
| 9 | VelocitySBA, LLC | 2 | 3.3% | $1M | |
| 10 | KeyBank National Association | 2 | 3.3% | $798K |
Seller note standby terms and third-party consents are reviewed before closing.
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Franchise brands in All Other Consumer Goods Rental
10% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Bin There...Dump That | 1 | 16.7% | $942K |
Questions buyers ask
How much is a typical SBA loan to buy a business in All Other Consumer Goods Rental?
Median $459,500 across 60 acquisition loans (FY2018 to FY2026); the middle half ran $196,025 to $1,218,900. That is 29% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most All Other Consumer Goods Rental acquisitions?
BankVista (4), Live Oak Banking Company (3), Hyperion Bank (3), Lake Elmo Bank (2), First Internet Bank of Indiana (2).
Are businesses in All Other Consumer Goods Rental often franchised?
Sometimes. 10% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Bin There...Dump That.
How risky are SBA loans for buying a business in All Other Consumer Goods Rental?
Of 25 seasoned loans (FY2018 to FY2021), 8.0% charged off, 127% higher than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for All Other Consumer Goods Rental acquisitions?
Median term 10 years, average initial rate 8.08% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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