How much do SBA lenders typically lend to a bus and other motor vehicle transit systems business?

The median SBA approval in NAICS 485113 is $146,300, with the middle 80% of loans between $25,000 and $2,000,000. Across all industries the median is $180,000.

Which lenders are most active in bus and other motor vehicle transit systems?

By dollars approved: TowneBank, Banc of California, Truist Bank, The Ephrata National Bank, First Merchants 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 bus and other motor vehicle transit systems considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.7% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 485113 · Transportation

SBA loans for bus and other motor vehicle transit systems

46 SBA loans worth $21.4M have been approved in this industry since FY2010 - the #874 most-financed NAICS code in the country.

Median loan

$146,300

-19% vs all industries

Typical range

$25K-$2.0M

Middle 80%

Median rate

6.25%

7(a) initial note rate

Median term

7 yr

Charge-off rate

7.7%

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
TowneBank	1	$3.0M
Banc of California	2	$2.9M
Truist Bank	3	$2.2M
The Ephrata National Bank	1	$2.1M
First Merchants Bank	1	$2.0M
JPMorgan Chase Bank	4	$1.9M
Business Finance Group, Inc.	2	$1.8M
Hancock Whitney Bank	6	$1.6M
City National Bank	1	$700K
Ameris Bank	1	$635K

Geography

Where these loans were made

State	Loans	Share
California	10
Louisiana	5
Maryland	4
Florida	4
New Jersey	4
New York	4
Puerto Rico	3
Massachusetts	2

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’21

’23

’25

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
22%
$50K - $150K
30%
$150K - $350K
9%
$350K - $1M
24%
$1M - $2M
4%
Over $2M
11%

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 Used Household and Office Goods Moving1,498 · $150,000 Limousine Service1,190 · $50,000

Common questions

How much do SBA lenders typically lend to a bus and other motor vehicle transit systems business?: The median SBA approval in NAICS 485113 is $146,300, with the middle 80% of loans between $25,000 and $2,000,000. Across all industries the median is $180,000.
Which lenders are most active in bus and other motor vehicle transit systems?: By dollars approved: TowneBank, Banc of California, Truist Bank, The Ephrata National Bank, First Merchants 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 bus and other motor vehicle transit systems considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.7% were charged off, versus 7.6% across all SBA lending. That is close to average.

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