All Other Miscellaneous Retailers: SBA business acquisition loan data
289 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as All Other Miscellaneous Retailers (NAICS 459999), totaling $244M. Median loan $480,000, 26% lower than the all-acquisition median. Annual volume rose 27% from FY2024 to FY2026.
Terms signed in the LOI shape the purchase agreement that follows.
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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 $960,000 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.6% of all SBA-financed business purchases, ranking #38 of 300 industries tracked.
- Geography. Texas leads with 24 loans; the top five states account for 34% of the industry's acquisitions.
- Jobs. Lenders reported 2,253 jobs supported across these loans, about 7.8 per acquisition, a rough proxy for the size of business changing hands.
All Other Miscellaneous Retailers acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 23 | $20.8M | $460,000 | |
| FY2019 | 31 | $11.8M | $345,300 | |
| FY2020 | 30 | $22.3M | $260,250 | |
| FY2021 | 37 | $31.5M | $378,000 | |
| FY2022 | 39 | $31M | $452,800 | |
| FY2023 | 34 | $31.6M | $547,100 | |
| FY2024 | 22 | $17.2M | $500,000 | |
| FY2025 | 45 | $45.5M | $655,000 | |
| FY2026 | 28 | $32.8M | $547,250 |
How often do these acquisition loans fail?
Of the 121 All Other Miscellaneous Retailers acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 4 have been charged off by the SBA, a rate of 3.3% by loan count and 2.5% by dollars. 51 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 Miscellaneous Retailers is 6% lower 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 | Texas | 24 | 8.3% | $29M | |
| 2 | Colorado | 21 | 7.3% | $21.6M | |
| 3 | Arizona | 18 | 6.2% | $21.5M | |
| 4 | Florida | 17 | 5.9% | $17.3M | |
| 5 | California | 17 | 5.9% | $12.3M | |
| 6 | Pennsylvania | 15 | 5.2% | $9M | |
| 7 | Washington | 12 | 4.2% | $6.2M | |
| 8 | Michigan | 12 | 4.2% | $5.3M | |
| 9 | Wisconsin | 11 | 3.8% | $8.9M | |
| 10 | Ohio | 11 | 3.8% | $8.2M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 30 | 10.4% | $41.5M | |
| 2 | The Huntington National Bank | 20 | 6.9% | $12.7M | |
| 3 | Midwest Regional Bank | 8 | 2.8% | $11.4M | |
| 4 | Manufacturers and Traders Trust Company | 7 | 2.4% | $5M | |
| 5 | Fifth Third Bank | 6 | 2.1% | $10.8M | |
| 6 | United Community Bank | 5 | 1.7% | $3.5M | |
| 7 | Customers Bank | 5 | 1.7% | $2.6M | |
| 8 | Columbia Bank | 5 | 1.7% | $2.5M | |
| 9 | First Internet Bank of Indiana | 4 | 1.4% | $6.2M | |
| 10 | Stock Yards Bank & Trust Company | 4 | 1.4% | $3.6M |
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentFree consultation. All 50 states.
Franchise brands in All Other Miscellaneous Retailers
13% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The UPS Store | 8 | 20.5% | $3M | |
| 2 | Batteries Plus | 5 | 12.8% | $5.2M | |
| 3 | Image360 | 5 | 12.8% | $2.8M | |
| 4 | Wild Birds Unlimited | 4 | 10.3% | $1.3M | |
| 5 | Painting With A Twist | 2 | 5.1% | $508K | |
| 6 | Signs by Tomorrow | 1 | 2.6% | $655K | |
| 7 | Pak Mail | 1 | 2.6% | $610K | |
| 8 | Big O Tires | 1 | 2.6% | $536K | |
| 9 | Woodcraft | 1 | 2.6% | $500K | |
| 10 | Budget Blinds | 1 | 2.6% | $386K | |
| 11 | PostalAnnex+ | 1 | 2.6% | $296K | |
| 12 | Signarama | 1 | 2.6% | $167K | |
| 13 | Board & Brush Creative Studios | 1 | 2.6% | $55K |
Questions buyers ask
How much is a typical SBA loan to buy a business in All Other Miscellaneous Retailers?
Median $480,000 across 289 acquisition loans (FY2018 to FY2026); the middle half ran $234,000 to $960,000. That is 26% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most All Other Miscellaneous Retailers acquisitions?
Live Oak Banking Company (30), The Huntington National Bank (20), Midwest Regional Bank (8), Manufacturers and Traders Trust Company (7), Fifth Third Bank (6).
Are businesses in All Other Miscellaneous Retailers often franchised?
Sometimes. 13% of SBA acquisition loans in this industry financed a franchised unit. Top brands: The UPS Store, Batteries Plus, Image360, Wild Birds Unlimited, Painting With A Twist.
How risky are SBA loans for buying a business in All Other Miscellaneous Retailers?
Of 121 seasoned loans (FY2018 to FY2021), 3.3% charged off, 6% lower than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for All Other Miscellaneous Retailers acquisitions?
Median term 10 years, average initial rate 7.67% 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.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
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