Industries › Retail Trade › Sporting Goods, Hobby, Musical Instrument, Book, and Miscellaneous Retailers › Office Supplies, Stationery, and Gift Retailers
NAICS 4594Industry group0.2% of all approvals
SBA loans for office supplies, stationery, and gift retailers
7(a) and 504 approvals to businesses SBA classifies under NAICS 4594, with the lenders and states behind them.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Businesses classified under NAICS 4594, office supplies, stationery, and gift retailers, received 532 SBA loan approvals worth $182M in FY2021 to FY2025 (490 7(a), 42 504).
That is 0.2% of all approvals.
In FY2025 there were 189 approvals, up 8% on FY2024. The median 7(a) approval was $105K, against $190K for all industries, and 4.1% of approvals went to franchise businesses.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Volume by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 109 | $34.5M | $100K | 8 | $10.1M | 117 | 663 |
| FY2025 | 177 | $61.3M | $108K | 12 | $4.6M | 189 | 1,487 |
| FY2024 | 164 | $46.2M | $105K | 11 | $7.2M | 175 | 938 |
| FY2023 | 94 | $29.8M | $94K | 15 | $12.5M | 109 | 764 |
| FY2022 | 55 | $16.5M | $228K | 4 | $3.8M | 59 | 388 |
| FY2021 | 0 | — | — | 0 | — | 0 | 0 |
| FY2020 | 0 | — | — | 0 | — | 0 | 0 |
| FY2019 | 0 | — | — | 0 | — | 0 | 0 |
| FY2018 | 0 | — | — | 0 | — | 0 | 0 |
| FY2017 | 0 | — | — | 0 | — | 0 | 0 |
| FY2016 | 0 | — | — | 0 | — | 0 | 0 |
SBA records the NAICS code in force when a loan was approved. The 2022 NAICS revision renumbered parts of retail trade and information, so some lines of business appear under one code before FY2023 and another after. FY2016–FY2020 approvals under this code: 0.
Lenders most active in this industry
By number of approvals, FY2021–FY2025; 171 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 51 | $7.5M | 9.6% | |
| 2 | Northeast BankLewiston, ME | 36 | $4.6M | 6.8% | |
| 3 | Readycap Lending, LLCBerkeley Heights, NJ | 34 | $7.0M | 6.4% | |
| 4 | U.S. Bank, National AssociationCincinnati, OH | 18 | $13.9M | 3.4% | |
| 5 | BayFirst National BankSaint Petersburg, FL | 17 | $2.1M | 3.2% | |
| 6 | TD Bank, National AssociationWilmington, DE | 17 | $1.2M | 3.2% | |
| 7 | Newtek Bank, National AssociationMiami, FL | 16 | $6.8M | 3.0% | |
| 8 | Manufacturers and Traders Trust CompanyBuffalo, NY | 16 | $1.2M | 3.0% | |
| 9 | Wells Fargo Bank National AssociationSioux Falls, SD | 15 | $2.8M | 2.8% | |
| 10 | JPMorgan Chase Bank, National AssociationColumbus, OH | 12 | $1.4M | 2.3% | |
| 11 | Columbia BankLake Oswego, OR | 12 | $935K | 2.3% | |
| 12 | Celtic Bank CorporationSalt Lake City, UT | 11 | $1.4M | 2.1% | |
| 13 | Lendistry SBLC, LLCLos Angeles, CA | 10 | $1.7M | 1.9% | |
| 14 | Zions Bank, A Division ofSalt Lake City, UT | 8 | $1.1M | 1.5% | |
| 15 | Live Oak Banking CompanyWilmington, NC | 6 | $4.8M | 1.1% | |
| 16 | First Interstate BankBillings, MT | 6 | $3.3M | 1.1% | |
| 17 | Eastern BankBoston, MA | 6 | $245K | 1.1% | |
| 18 | KeyBank National AssociationCleveland, OH | 5 | $2.8M | 0.9% | |
| 19 | Newtek Small Business Finance, Inc.Lake Success, NY | 5 | $2.1M | 0.9% | |
| 20 | SouthState Bank, National AssociationWinter Haven, FL | 5 | $1.4M | 0.9% |
States
| # | State of the business | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 58 | $30.9M | 10.9% | |
| 2 | New York | 37 | $14.1M | 7.0% | |
| 3 | Texas | 35 | $12.1M | 6.6% | |
| 4 | Florida | 33 | $13.6M | 6.2% | |
| 5 | Ohio | 24 | $6.1M | 4.5% | |
| 6 | Michigan | 24 | $4.3M | 4.5% | |
| 7 | Massachusetts | 23 | $2.1M | 4.3% | |
| 8 | Pennsylvania | 21 | $3.1M | 3.9% | |
| 9 | Illinois | 16 | $9.9M | 3.0% | |
| 10 | Georgia | 14 | $5.4M | 2.6% | |
| 11 | Oregon | 14 | $1.9M | 2.6% | |
| 12 | New Jersey | 14 | $1.8M | 2.6% | |
| 13 | Minnesota | 13 | $1.9M | 2.4% | |
| 14 | Wisconsin | 13 | $1.7M | 2.4% | |
| 15 | Utah | 12 | $8.0M | 2.3% |
Franchise brands
4.1% of approvals carried a franchise code.
| # | Brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | The UPS Store | 10 | 1.9% | |
| 2 | Edible Arrangements | 4 | 0.8% | |
| 3 | Bricks & Minifigs | 3 | 0.6% | |
| 4 | Crown Trophy | 2 | 0.4% | |
| 5 | Postal Connections | 1 | 0.2% | |
| 6 | Sea Love | 1 | 0.2% | |
| 7 | Magnolia Soap and Bath | 1 | 0.2% |
Approval sizes
- $50,000 or less31.0%165
- $50,001 to $150,00028.0%149
- $150,001 to $350,00017.5%93
- $350,001 to $1 million15.6%83
- $1 million to $2 million4.7%25
- Over $2 million3.2%17
Age of the businesses
- Existing, more than 2 years old62.6%333
- New business, 2 years or less16.4%87
- Startup, loan funds will open the business7.1%38
- Change of ownership13.7%73
- Not answered0.2%1
Charge-offs against all industries
| Loans approved FY2010–FY2021 | This industry, 7(a) | All 7(a) | This industry, 504 | All 504 |
|---|---|---|---|---|
| Approvals in these years | 0 | 639,905 | 0 | 85,591 |
| Cancelled or never disbursed | 0 | 79,313 | 0 | 12,514 |
| Disbursed loans | 0 | 560,592 | 0 | 73,077 |
| Paid in full | 0 | 435,813 | 0 | 35,491 |
| Charged off | 0 | 36,891 | 0 | 905 |
| Still outstanding (status exempt from disclosure) | 0 | 87,888 | 0 | 36,681 |
| Charged off, share of disbursed loans | too few loans | 6.6% | too few loans | 1.2% |
| Dollars charged off, share of disbursed dollars | too few loans | 2.5% | too few loans | 0.9% |
| Dollars charged off | — | $5.70bn | — | $499M |
Against all industries
| FY2021–FY2025 | NAICS 4594 | All industries |
|---|---|---|
| Median 7(a) approval | $105K | $190K |
| Median 504 approval | $536K | $657K |
| Average approval | $342K | $573K |
| Approvals per 1,000 establishments | — | 41.0 |
| Approvals to franchise businesses | 4.1% | 11.2% |
| Jobs supported per approval, as reported | 6.7 | 10.5 |
Questions and answers
Which lenders make the most SBA loans for office supplies, stationery, and gift retailers?
By approvals in FY2021 to FY2025: The Huntington National Bank (51), Northeast Bank (36), Readycap Lending, LLC (34), U.S. Bank, National Association (18), BayFirst National Bank (17). 171 lenders had at least one.
How large are typical SBA loans for office supplies, stationery, and gift retailers?
The median 7(a) approval was $105K and the median 504 approval $536K; the average across both programs was $342K.
What share of SBA loans for office supplies, stationery, and gift retailers are charged off?
There are too few matured loans to show a rate.
Which states have the most SBA loans for office supplies, stationery, and gift retailers?
California (58), New York (37), Texas (35), Florida (33), Ohio (24).
Is SBA lending for office supplies, stationery, and gift retailers rising?
Approvals in the three latest complete fiscal years total 473, against 59 in the three before: rising (+702%).
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error