Jewelry Retailers: SBA business acquisition loan data
66 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Jewelry Retailers (NAICS 458310), totaling $43M. Median loan $372,100, 42% lower than the all-acquisition median.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
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 $746,750 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 #137 of 300 industries tracked.
- Geography. Florida leads with 6 loans; the top five states account for 41% of the industry's acquisitions.
- Jobs. Lenders reported 510 jobs supported across these loans, about 7.7 per acquisition, a rough proxy for the size of business changing hands.
Jewelry Retailers acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 4 | $1.5M | $330,000 | |
| FY2019 | 8 | $5.3M | $347,600 | |
| FY2020 | 4 | $5.5M | $1,478,150 | |
| FY2021 | 4 | $1.2M | $299,400 | |
| FY2022 | 5 | $2.6M | $350,000 | |
| FY2023 | 10 | $4.5M | $278,950 | |
| FY2024 | 9 | $3.7M | $350,000 | |
| FY2025 | 11 | $5.9M | $300,000 | |
| FY2026 | 11 | $12.9M | $855,000 |
How often do these acquisition loans fail?
Of the 20 Jewelry Retailers acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), none have been charged off by the SBA. 9 have already been paid in full.
For comparison, Jewelry Retailers has none charged off, against the 3.5% average across all SBA 7(a) acquisition loans in the same cohort. 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 | Florida | 6 | 9.1% | $6.4M | |
| 2 | Ohio | 6 | 9.1% | $3M | |
| 3 | Minnesota | 6 | 9.1% | $1.9M | |
| 4 | California | 5 | 7.6% | $2M | |
| 5 | Kansas | 4 | 6.1% | $3.9M | |
| 6 | Texas | 3 | 4.5% | $2.8M | |
| 7 | Indiana | 3 | 4.5% | $2.1M | |
| 8 | Missouri | 3 | 4.5% | $2M | |
| 9 | Wisconsin | 3 | 4.5% | $1.9M | |
| 10 | New Hampshire | 3 | 4.5% | $368K |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 6 | 9.1% | $4.5M | |
| 2 | Nicolet National Bank | 3 | 4.5% | $2M | |
| 3 | CDC Small Business Finance Corp. | 3 | 4.5% | $706K | |
| 4 | Northwest Bank | 3 | 4.5% | $622K | |
| 5 | OakStar Bank | 2 | 3.0% | $1.9M | |
| 6 | The Fidelity Bank | 2 | 3.0% | $808K | |
| 7 | Falcon National Bank | 2 | 3.0% | $482K | |
| 8 | Eastern Bank | 2 | 3.0% | $320K | |
| 9 | Kennebunk Savings Bank | 2 | 3.0% | $315K | |
| 10 | New York Business Development Corporation | 1 | 1.5% | $4M |
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
Questions buyers ask
How much is a typical SBA loan to buy a business in Jewelry Retailers?
Median $372,100 across 66 acquisition loans (FY2018 to FY2026); the middle half ran $209,000 to $746,750. That is 42% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Jewelry Retailers acquisitions?
The Huntington National Bank (6), Nicolet National Bank (3), CDC Small Business Finance Corp. (3), Northwest Bank (3), OakStar Bank (2).
Are businesses in Jewelry Retailers often franchised?
Rarely. Only 2% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in Jewelry Retailers?
Of 20 seasoned loans (FY2018 to FY2021), none charged off, against the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Jewelry Retailers acquisitions?
Median term 10 years, average initial rate 8.52% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
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