How much do SBA lenders typically lend to a used household and office goods moving business?

The median SBA approval in NAICS 484210 is $150,000, with the middle 80% of loans between $25,000 and $1,405,000. Across all industries the median is $180,000.

Which lenders are most active in used household and office goods moving?

By dollars approved: The Huntington National Bank, Wells Fargo Bank, Business Finance Capital, Business Finance Group, Inc., Pinnacle Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

Is used household and office goods moving considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.2% were charged off, versus 7.6% across all SBA lending. That is materially above average, which in practice tends to mean tighter underwriting, more collateral, or a larger equity injection.

NAICS 484210 · Transportation

SBA loans for used household and office goods moving

1,498 SBA loans worth $704.5M have been approved in this industry since FY2010 - the #149 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$25K-$1.4M

Middle 80%

Median rate

6.90%

7(a) initial note rate

Median term

10 yr

Charge-off rate

10.2%

vs 7.6% all industries

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Most active in this industry

Lender	Loans	Approved
The Huntington National Bank	157	$30.4M
Wells Fargo Bank	69	$26.4M
Business Finance Capital	14	$23.7M
Business Finance Group, Inc.	6	$18.4M
Pinnacle Bank	10	$16.9M
Empire State Certified Development Corporation	10	$16.2M
U.S. Bank	40	$14.3M
CDC Small Business Finance Corp.	8	$14.1M
California Statewide Certified Development Corporation	7	$11.9M
Capital Access Group, Inc.	7	$11.5M

Geography

Where these loans were made

State	Loans	Share
California	195
Texas	126
Ohio	108
Florida	101
Massachusetts	85
New York	76
Pennsylvania	53
Michigan	50

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
20%
$50K - $150K
23%
$150K - $350K
24%
$350K - $1M
19%
$1M - $2M
8%
Over $2M
6%

Nearby

Other transportation industries

See the sector

General Freight Trucking, Long-Distance, Truckload16,409 · $53,000 General Freight Trucking, Local13,654 · $50,900 Specialized Freight (except Used Goods) Trucking, Local3,193 · $65,000 Freight Transportation Arrangement2,161 · $150,000 Motor Vehicle Towing2,100 · $130,000 Specialized Freight (except Used Goods) Trucking, Long-Distance1,604 · $55,750 Limousine Service1,190 · $50,000 General Freight Trucking, Long-Distance, Less Than Truckload963 · $50,000

Common questions

How much do SBA lenders typically lend to a used household and office goods moving business?: The median SBA approval in NAICS 484210 is $150,000, with the middle 80% of loans between $25,000 and $1,405,000. Across all industries the median is $180,000.
Which lenders are most active in used household and office goods moving?: By dollars approved: The Huntington National Bank, Wells Fargo Bank, Business Finance Capital, Business Finance Group, Inc., Pinnacle Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
Is used household and office goods moving considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.2% were charged off, versus 7.6% across all SBA lending. That is materially above average, which in practice tends to mean tighter underwriting, more collateral, or a larger equity injection.

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