Hobby, Toy, and Game Retailers: SBA business acquisition loan data
63 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Hobby, Toy, and Game Retailers (NAICS 459120), totaling $36M. Median loan $421,000, 35% lower than the all-acquisition median. Annual volume fell 29% from FY2024 to FY2026. 24% of these deals were franchised units.
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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 $785,000 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 #139 of 300 industries tracked.
- Geography. Virginia leads with 6 loans; the top five states account for 35% of the industry's acquisitions.
- Jobs. Lenders reported 524 jobs supported across these loans, about 8.3 per acquisition, a rough proxy for the size of business changing hands.
Hobby, Toy, and Game Retailers acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $1.7M | $866,550 | |
| FY2019 | 4 | $1.3M | $107,750 | |
| FY2020 | 5 | $3M | $624,000 | |
| FY2021 | 7 | $3M | $350,000 | |
| FY2022 | 10 | $5.1M | $273,750 | |
| FY2023 | 7 | $3.4M | $590,000 | |
| FY2024 | 14 | $11.4M | $651,950 | |
| FY2025 | 4 | $1M | $226,250 | |
| FY2026 | 10 | $6M | $382,500 |
How often do these acquisition loans fail?
Fewer than 20 Hobby, Toy, and Game 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.
Terms signed in the LOI shape the purchase agreement that follows.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Virginia | 6 | 9.5% | $3.8M | |
| 2 | Colorado | 5 | 7.9% | $2.9M | |
| 3 | Kansas | 4 | 6.3% | $2.5M | |
| 4 | Texas | 4 | 6.3% | $1.1M | |
| 5 | California | 3 | 4.8% | $3.4M | |
| 6 | North Carolina | 3 | 4.8% | $1.9M | |
| 7 | Massachusetts | 3 | 4.8% | $1.9M | |
| 8 | Connecticut | 3 | 4.8% | $959K | |
| 9 | Illinois | 3 | 4.8% | $619K | |
| 10 | Utah | 2 | 3.2% | $3.5M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust Company | 6 | 9.5% | $3.6M | |
| 2 | The Huntington National Bank | 5 | 7.9% | $1.9M | |
| 3 | Emprise Bank | 3 | 4.8% | $1.5M | |
| 4 | Live Oak Banking Company | 2 | 3.2% | $2.5M | |
| 5 | Busey Bank | 2 | 3.2% | $1.8M | |
| 6 | Beacon Bank and Trust | 2 | 3.2% | $1.3M | |
| 7 | United Community Bank | 2 | 3.2% | $890K | |
| 8 | First Internet Bank of Indiana | 2 | 3.2% | $633K | |
| 9 | First Bank of Central Ohio | 1 | 1.6% | $2.9M | |
| 10 | Pathward National Association | 1 | 1.6% | $2.6M |
Terms signed in the LOI shape the purchase agreement that follows.
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Franchise brands in Hobby, Toy, and Game Retailers
24% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Woodcraft | 3 | 20.0% | $2.4M | |
| 2 | Board & Brush Creative Studios | 2 | 13.3% | $113K | |
| 3 | Wild Birds Unlimited | 1 | 6.7% | $1.1M |
Questions buyers ask
How much is a typical SBA loan to buy a business in Hobby, Toy, and Game Retailers?
Median $421,000 across 63 acquisition loans (FY2018 to FY2026); the middle half ran $200,000 to $785,000. That is 35% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Hobby, Toy, and Game Retailers acquisitions?
Manufacturers and Traders Trust Company (6), The Huntington National Bank (5), Emprise Bank (3), Live Oak Banking Company (2), Busey Bank (2).
Are businesses in Hobby, Toy, and Game Retailers often franchised?
Yes, often. 24% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Woodcraft, Board & Brush Creative Studios, Wild Birds Unlimited.
How risky are SBA loans for buying a business in Hobby, Toy, and Game 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 Hobby, Toy, and Game Retailers acquisitions?
Median term 10 years, average initial rate 8.15% 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.
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