Wholesale Trade Agents and Brokers: SBA business acquisition loan data
31 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Wholesale Trade Agents and Brokers (NAICS 425120), totaling $36.1M. Median loan $760,000, 18% higher than the all-acquisition median.
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 $1,398,750 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 #217 of 300 industries tracked.
- Geography. Minnesota leads with 5 loans; the top five states account for 55% of the industry's acquisitions.
- Jobs. Lenders reported 257 jobs supported across these loans, about 8.3 per acquisition, a rough proxy for the size of business changing hands.
Wholesale Trade Agents and Brokers acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $2.3M | $1,165,900 | |
| FY2019 | 2 | $1.5M | $738,500 | |
| FY2020 | 4 | $8.5M | $1,705,050 | |
| FY2021 | 1 | $4.3M | $4,340,000 | |
| FY2022 | 1 | $1.4M | $1,373,000 | |
| FY2023 | 4 | $2.5M | $515,750 | |
| FY2024 | 7 | $3.1M | $545,200 | |
| FY2025 | 2 | $706K | $353,100 | |
| FY2026 | 8 | $11.8M | $1,095,000 |
How often do these acquisition loans fail?
Fewer than 20 Wholesale Trade Agents and Brokers 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
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Minnesota | 5 | 16.1% | $4.5M | |
| 2 | California | 3 | 9.7% | $5.3M | |
| 3 | North Carolina | 3 | 9.7% | $2.7M | |
| 4 | Texas | 3 | 9.7% | $2M | |
| 5 | Washington | 3 | 9.7% | $958K | |
| 6 | Massachusetts | 2 | 6.5% | $2.4M | |
| 7 | Alabama | 1 | 3.2% | $4.3M | |
| 8 | Illinois | 1 | 3.2% | $4.1M | |
| 9 | Ohio | 1 | 3.2% | $2.1M | |
| 10 | Kansas | 1 | 3.2% | $1.4M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Banc of California | 2 | 6.5% | $4.5M | |
| 2 | Live Oak Banking Company | 2 | 6.5% | $1.5M | |
| 3 | Columbia Bank | 2 | 6.5% | $1.1M | |
| 4 | BankVista | 2 | 6.5% | $1M | |
| 5 | The Huntington National Bank | 2 | 6.5% | $855K | |
| 6 | Fund-Ex Solutions Group, LLC | 1 | 3.2% | $4.3M | |
| 7 | State Bank of the Lakes, National Association | 1 | 3.2% | $4.1M | |
| 8 | Milestone Bank | 1 | 3.2% | $2.1M | |
| 9 | First Bank of the Lake | 1 | 3.2% | $2M | |
| 10 | Falcon National Bank | 1 | 3.2% | $2M |
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Franchise brands in Wholesale Trade Agents and Brokers
3% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Batteries Plus | 1 | 100.0% | $197K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Wholesale Trade Agents and Brokers?
Median $760,000 across 31 acquisition loans (FY2018 to FY2026); the middle half ran $360,750 to $1,398,750. That is 18% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Wholesale Trade Agents and Brokers acquisitions?
Banc of California (2), Live Oak Banking Company (2), Columbia Bank (2), BankVista (2), The Huntington National Bank (2).
Are businesses in Wholesale Trade Agents and Brokers 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 Wholesale Trade Agents and Brokers?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Wholesale Trade Agents and Brokers acquisitions?
Median term 10 years, average initial rate 8.59% 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.
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