Office Supplies and Stationery Retailers: SBA business acquisition loan data
43 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Office Supplies and Stationery Retailers (NAICS 459410), totaling $26.7M. Median loan $330,800, 49% lower than the all-acquisition median. 40% of these deals were franchised units.
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 $649,000 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 #181 of 300 industries tracked.
- Geography. California leads with 5 loans; the top five states account for 44% of the industry's acquisitions.
- Jobs. Lenders reported 366 jobs supported across these loans, about 8.5 per acquisition, a rough proxy for the size of business changing hands.
Office Supplies and Stationery Retailers acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $2.7M | $1,340,650 | |
| FY2019 | 3 | $749K | $318,000 | |
| FY2020 | 3 | $1.4M | $155,500 | |
| FY2021 | 8 | $2.1M | $287,000 | |
| FY2022 | 13 | $6.6M | $340,000 | |
| FY2023 | 3 | $1.3M | $453,000 | |
| FY2024 | 3 | $916K | $150,000 | |
| FY2025 | 1 | $637K | $636,500 | |
| FY2026 | 7 | $10.4M | $750,000 |
How often do these acquisition loans fail?
Fewer than 20 Office Supplies and Stationery 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.
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Top states
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 4 | 9.3% | $3.9M | |
| 2 | Merchants Bank of Indiana | 4 | 9.3% | $1.5M | |
| 3 | First Interstate Bank | 3 | 7.0% | $1.3M | |
| 4 | Pathward National Association | 2 | 4.7% | $3.3M | |
| 5 | Northwest Bank | 2 | 4.7% | $2.9M | |
| 6 | Live Oak Banking Company | 2 | 4.7% | $1.3M | |
| 7 | Stock Yards Bank & Trust Company | 2 | 4.7% | $498K | |
| 8 | Manufacturers and Traders Trust Company | 2 | 4.7% | $200K | |
| 9 | German American Bank | 2 | 4.7% | $176K | |
| 10 | First Financial Bank | 1 | 2.3% | $2.2M |
Seller note standby terms and third-party consents are reviewed before closing.
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Franchise brands in Office Supplies and Stationery Retailers
40% 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 | 13 | 76.5% | $5.4M |
Questions buyers ask
How much is a typical SBA loan to buy a business in Office Supplies and Stationery Retailers?
Median $330,800 across 43 acquisition loans (FY2018 to FY2026); the middle half ran $174,000 to $649,000. That is 49% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Office Supplies and Stationery Retailers acquisitions?
The Huntington National Bank (4), Merchants Bank of Indiana (4), First Interstate Bank (3), Pathward National Association (2), Northwest Bank (2).
Are businesses in Office Supplies and Stationery Retailers often franchised?
Yes, often. 40% of SBA acquisition loans in this industry financed a franchised unit. Top brands: The UPS Store.
How risky are SBA loans for buying a business in Office Supplies and Stationery 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 Office Supplies and Stationery Retailers acquisitions?
Median term 10 years, average initial rate 6.85% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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