All Other Home Furnishings Retailers: SBA business acquisition loan data
49 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as All Other Home Furnishings Retailers (NAICS 449129), totaling $32M. Median loan $453,500, 30% lower than the all-acquisition median.
Seller note standby terms and third-party consents are reviewed before closing.
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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 $980,100 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 #165 of 300 industries tracked.
- Geography. New York leads with 5 loans; the top five states account for 43% of the industry's acquisitions.
- Jobs. Lenders reported 255 jobs supported across these loans, about 5.2 per acquisition, a rough proxy for the size of business changing hands.
All Other Home Furnishings Retailers acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 0 | $0 | - | |
| FY2020 | 0 | $0 | - | |
| FY2021 | 0 | $0 | - | |
| FY2022 | 4 | $3.5M | $529,250 | |
| FY2023 | 9 | $5M | $222,000 | |
| FY2024 | 15 | $8.6M | $472,500 | |
| FY2025 | 7 | $2.8M | $278,600 | |
| FY2026 | 14 | $12.1M | $575,000 |
How often do these acquisition loans fail?
Fewer than 20 All Other Home Furnishings Retailers acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. 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.
The purchase agreement decides what you bought, not the loan approval.
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Top states
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 4 | 8.2% | $1.3M | |
| 2 | Gulf Coast Bank and Trust Company | 2 | 4.1% | $3.2M | |
| 3 | Live Oak Banking Company | 2 | 4.1% | $1.9M | |
| 4 | Beacon Bank and Trust | 2 | 4.1% | $1.6M | |
| 5 | Fidelity Deposit and Discount Bank | 2 | 4.1% | $544K | |
| 6 | Manufacturers and Traders Trust Company | 2 | 4.1% | $384K | |
| 7 | Pathward National Association | 1 | 2.0% | $2.8M | |
| 8 | Byline Bank | 1 | 2.0% | $2.4M | |
| 9 | Academy Bank National Association | 1 | 2.0% | $2.1M | |
| 10 | Banc of California | 1 | 2.0% | $1.3M |
Terms signed in the LOI shape the purchase agreement that follows.
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Franchise brands in All Other Home Furnishings Retailers
4% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Budget Blinds | 1 | 50.0% | $1.3M |
Questions buyers ask
How much is a typical SBA loan to buy a business in All Other Home Furnishings Retailers?
Median $453,500 across 49 acquisition loans (FY2018 to FY2026); the middle half ran $214,000 to $980,100. That is 30% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most All Other Home Furnishings Retailers acquisitions?
The Huntington National Bank (4), Gulf Coast Bank and Trust Company (2), Live Oak Banking Company (2), Beacon Bank and Trust (2), Fidelity Deposit and Discount Bank (2).
Are businesses in All Other Home Furnishings Retailers often franchised?
Rarely. Only 4% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in All Other Home Furnishings Retailers?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for All Other Home Furnishings Retailers acquisitions?
Median term 10 years, average initial rate 9.34% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
Terms signed in the LOI shape the purchase agreement that follows.
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