Outdoor Power Equipment Retailers: SBA business acquisition loan data
69 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Outdoor Power Equipment Retailers (NAICS 444230), totaling $65.8M. Median loan $630,000, in line with the all-acquisition median. Annual volume fell 33% from FY2024 to FY2026.
The purchase agreement decides what you bought, not the loan approval.
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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 $1,299,500 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 #131 of 300 industries tracked.
- Geography. Florida leads with 10 loans; the top five states account for 46% of the industry's acquisitions.
- Jobs. Lenders reported 715 jobs supported across these loans, about 10.4 per acquisition, a rough proxy for the size of business changing hands.
Outdoor Power Equipment Retailers acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 1 | $645K | $645,000 | |
| FY2019 | 6 | $2.7M | $341,700 | |
| FY2020 | 9 | $9.2M | $630,000 | |
| FY2021 | 8 | $5.5M | $559,000 | |
| FY2022 | 9 | $8.9M | $643,000 | |
| FY2023 | 2 | $2.6M | $1,285,350 | |
| FY2024 | 15 | $14.5M | $472,500 | |
| FY2025 | 9 | $9.9M | $600,000 | |
| FY2026 | 10 | $11.9M | $963,000 |
How often do these acquisition loans fail?
Of the 24 Outdoor Power Equipment 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. 8 have already been paid in full.
For comparison, Outdoor Power Equipment 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.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Florida | 10 | 14.5% | $12.1M | |
| 2 | Texas | 8 | 11.6% | $8.6M | |
| 3 | Georgia | 5 | 7.2% | $7.4M | |
| 4 | New York | 5 | 7.2% | $1.7M | |
| 5 | Oregon | 4 | 5.8% | $5.9M | |
| 6 | Minnesota | 4 | 5.8% | $5.2M | |
| 7 | Washington | 4 | 5.8% | $3M | |
| 8 | California | 4 | 5.8% | $3M | |
| 9 | Wisconsin | 4 | 5.8% | $1.5M | |
| 10 | North Carolina | 3 | 4.3% | $2.7M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 4 | 5.8% | $7.6M | |
| 2 | U.S. Bank, National Association | 4 | 5.8% | $3.5M | |
| 3 | Manufacturers and Traders Trust Company | 3 | 4.3% | $3.1M | |
| 4 | PNC Bank, National Association | 3 | 4.3% | $1.6M | |
| 5 | Five Star Bank | 3 | 4.3% | $545K | |
| 6 | First Western Bank & Trust | 2 | 2.9% | $3.3M | |
| 7 | First Internet Bank of Indiana | 2 | 2.9% | $2.5M | |
| 8 | Beacon Bank and Trust | 2 | 2.9% | $2M | |
| 9 | Merchants Bank of Indiana | 2 | 2.9% | $1.9M | |
| 10 | First National Bank of Pennsylvania | 2 | 2.9% | $1.7M |
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Questions buyers ask
How much is a typical SBA loan to buy a business in Outdoor Power Equipment Retailers?
Median $630,000 across 69 acquisition loans (FY2018 to FY2026); the middle half ran $322,200 to $1,299,500. That is in line with the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Outdoor Power Equipment Retailers acquisitions?
Live Oak Banking Company (4), U.S. Bank, National Association (4), Manufacturers and Traders Trust Company (3), PNC Bank, National Association (3), Five Star Bank (3).
Are businesses in Outdoor Power Equipment Retailers often franchised?
Rarely. Only 3% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in Outdoor Power Equipment Retailers?
Of 24 seasoned loans (FY2018 to FY2021), none charged off, against the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Outdoor Power Equipment Retailers acquisitions?
Median term 10 years, average initial rate 7.74% 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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