Pet and Pet Supplies Retailers: SBA business acquisition loan data
135 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Pet and Pet Supplies Retailers (NAICS 459910), totaling $110M. Median loan $499,000, 23% lower than the all-acquisition median. Annual volume rose 33% from FY2024 to FY2026. 36% of these deals were franchised units.
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 $1,045,650 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 #74 of 300 industries tracked.
- Geography. Florida leads with 21 loans; the top five states account for 41% of the industry's acquisitions.
- Jobs. Lenders reported 1,708 jobs supported across these loans, about 12.7 per acquisition, a rough proxy for the size of business changing hands.
Pet and Pet Supplies Retailers acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 11 | $3.8M | $245,200 | |
| FY2019 | 11 | $9.5M | $575,000 | |
| FY2020 | 13 | $7.6M | $325,000 | |
| FY2021 | 19 | $20.1M | $574,000 | |
| FY2022 | 12 | $13.5M | $515,500 | |
| FY2023 | 9 | $6.6M | $495,000 | |
| FY2024 | 15 | $10.9M | $457,000 | |
| FY2025 | 25 | $18.8M | $487,000 | |
| FY2026 | 20 | $19.7M | $684,500 |
How often do these acquisition loans fail?
Of the 54 Pet and Pet Supplies Retailers acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 2 have been charged off by the SBA, a rate of 3.7% by loan count and 1.4% by dollars. 28 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 Pet and Pet Supplies Retailers is 5% higher 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.
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Florida | 21 | 15.6% | $17.3M | |
| 2 | Georgia | 9 | 6.7% | $6M | |
| 3 | North Carolina | 9 | 6.7% | $5.9M | |
| 4 | California | 8 | 5.9% | $9.9M | |
| 5 | Texas | 8 | 5.9% | $9.5M | |
| 6 | Arizona | 7 | 5.2% | $4.3M | |
| 7 | Washington | 5 | 3.7% | $5.5M | |
| 8 | Pennsylvania | 5 | 3.7% | $4.2M | |
| 9 | Michigan | 5 | 3.7% | $3.6M | |
| 10 | Ohio | 5 | 3.7% | $2.9M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 11 | 8.1% | $12.5M | |
| 2 | BayFirst National Bank | 8 | 5.9% | $4.4M | |
| 3 | Bank of Oak Ridge | 5 | 3.7% | $4M | |
| 4 | First Business Bank | 5 | 3.7% | $2.1M | |
| 5 | Telhio Credit Union Inc | 4 | 3.0% | $4.6M | |
| 6 | First-Citizens Bank & Trust Company | 4 | 3.0% | $3.6M | |
| 7 | Beacon Bank and Trust | 3 | 2.2% | $3.8M | |
| 8 | Columbia Bank | 3 | 2.2% | $1.9M | |
| 9 | Fulton Bank, National Association | 3 | 2.2% | $1.7M | |
| 10 | The Bancorp Bank National Association | 3 | 2.2% | $818K |
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
Franchise brands in Pet and Pet Supplies Retailers
36% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Wild Birds Unlimited | 19 | 38.8% | $9.5M | |
| 2 | Petland | 13 | 26.5% | $21M | |
| 3 | Pet Supplies Plus | 11 | 22.4% | $17.2M | |
| 4 | Woof Gang Bakery and Grooming | 2 | 4.1% | $1.2M |
Questions buyers ask
How much is a typical SBA loan to buy a business in Pet and Pet Supplies Retailers?
Median $499,000 across 135 acquisition loans (FY2018 to FY2026); the middle half ran $263,500 to $1,045,650. That is 23% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Pet and Pet Supplies Retailers acquisitions?
The Huntington National Bank (11), BayFirst National Bank (8), Bank of Oak Ridge (5), First Business Bank (5), Telhio Credit Union Inc (4).
Are businesses in Pet and Pet Supplies Retailers often franchised?
Yes, often. 36% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Wild Birds Unlimited, Petland, Pet Supplies Plus, Woof Gang Bakery and Grooming.
How risky are SBA loans for buying a business in Pet and Pet Supplies Retailers?
Of 54 seasoned loans (FY2018 to FY2021), 3.7% charged off, 5% higher than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Pet and Pet Supplies Retailers acquisitions?
Median term 10 years, average initial rate 8.12% 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.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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