Other Miscellaneous Durable Goods Merchant Wholesalers: SBA business acquisition loan data
157 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Other Miscellaneous Durable Goods Merchant Wholesalers (NAICS 423990), totaling $225M. Median loan $992,000, 54% higher than the all-acquisition median. Annual volume rose 72% from FY2024 to FY2026.
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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 $2,107,000 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.3% of all SBA-financed business purchases, ranking #61 of 300 industries tracked.
- Geography. California leads with 14 loans; the top five states account for 40% of the industry's acquisitions.
- Jobs. Lenders reported 1,701 jobs supported across these loans, about 10.8 per acquisition, a rough proxy for the size of business changing hands.
Other Miscellaneous Durable Goods Merchant Wholesalers acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 6 | $8M | $1,287,500 | |
| FY2019 | 14 | $11.6M | $598,000 | |
| FY2020 | 11 | $14.8M | $838,100 | |
| FY2021 | 23 | $27.7M | $1,051,900 | |
| FY2022 | 13 | $17.8M | $1,157,000 | |
| FY2023 | 12 | $17.7M | $950,950 | |
| FY2024 | 18 | $25.6M | $672,500 | |
| FY2025 | 29 | $52.7M | $1,310,000 | |
| FY2026 | 31 | $48.7M | $968,000 |
How often do these acquisition loans fail?
Of the 54 Other Miscellaneous Durable Goods Merchant Wholesalers acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 1 have been charged off by the SBA, a rate of 1.8% by loan count and 0.1% by dollars. 23 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 Other Miscellaneous Durable Goods Merchant Wholesalers is 47% 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 | California | 14 | 8.9% | $19.2M | |
| 2 | Texas | 13 | 8.3% | $29.8M | |
| 3 | Illinois | 13 | 8.3% | $22.8M | |
| 4 | Florida | 12 | 7.6% | $16.5M | |
| 5 | Colorado | 11 | 7.0% | $6.8M | |
| 6 | Ohio | 7 | 4.5% | $14.7M | |
| 7 | North Carolina | 7 | 4.5% | $4.8M | |
| 8 | New York | 6 | 3.8% | $3.5M | |
| 9 | Kansas | 5 | 3.2% | $11.5M | |
| 10 | Washington | 5 | 3.2% | $8.6M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 15 | 9.6% | $18M | |
| 2 | Live Oak Banking Company | 12 | 7.6% | $17.1M | |
| 3 | U.S. Bank, National Association | 7 | 4.5% | $6.9M | |
| 4 | Old National Bank | 6 | 3.8% | $12M | |
| 5 | Pinnacle Bank | 6 | 3.8% | $4.9M | |
| 6 | Northwest Bank | 4 | 2.5% | $5.5M | |
| 7 | Manufacturers and Traders Trust Company | 4 | 2.5% | $1.4M | |
| 8 | Pathward National Association | 3 | 1.9% | $10M | |
| 9 | Fifth Third Bank | 3 | 1.9% | $8.6M | |
| 10 | First National Bank of Pennsylvania | 3 | 1.9% | $4.5M |
Seller note standby terms and third-party consents are reviewed before closing.
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Franchise brands in Other Miscellaneous Durable Goods Merchant Wholesalers
1% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
Questions buyers ask
How much is a typical SBA loan to buy a business in Other Miscellaneous Durable Goods Merchant Wholesalers?
Median $992,000 across 157 acquisition loans (FY2018 to FY2026); the middle half ran $329,400 to $2,107,000. That is 54% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Other Miscellaneous Durable Goods Merchant Wholesalers acquisitions?
The Huntington National Bank (15), Live Oak Banking Company (12), U.S. Bank, National Association (7), Old National Bank (6), Pinnacle Bank (6).
Are businesses in Other Miscellaneous Durable Goods Merchant Wholesalers often franchised?
Rarely. Only 1% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in Other Miscellaneous Durable Goods Merchant Wholesalers?
Of 54 seasoned loans (FY2018 to FY2021), 1.8% charged off, 47% lower than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Other Miscellaneous Durable Goods Merchant Wholesalers acquisitions?
Median term 10 years, average initial rate 7.80% 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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