How much do SBA lenders typically lend to a limousine service business?

The median SBA approval in NAICS 485320 is $50,000, with the middle 80% of loans between $10,000 and $563,000. Across all industries the median is $180,000.

Which lenders are most active in limousine service?

By dollars approved: The Huntington National Bank, Wells Fargo Bank, Newtek Small Business Finance, Inc., U.S. Bank, Harvest Small Business Finance, LLC. 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 limousine service considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 18.5% 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 485320 · Transportation

SBA loans for limousine service

1,190 SBA loans worth $268.2M have been approved in this industry since FY2010 - the #176 most-financed NAICS code in the country.

Median loan

$50,000

-72% vs all industries

Typical range

$10K-$563K

Middle 80%

Median rate

7.75%

7(a) initial note rate

Median term

7 yr

Charge-off rate

18.5%

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	84	$19.0M
Wells Fargo Bank	103	$15.4M
Newtek Small Business Finance, Inc.	14	$11.9M
U.S. Bank	109	$9.1M
Harvest Small Business Finance, LLC	7	$7.6M
JPMorgan Chase Bank	95	$6.7M
Empire State Certified Development Corporation	7	$6.5M
Enterprise Bank & Trust	11	$6.5M
KeyBank	15	$6.5M
TD Bank	139	$6.5M

Geography

Where these loans were made

State	Loans	Share
California	238
New York	170
Massachusetts	102
New Jersey	72
Illinois	62
Florida	61
Ohio	59
Texas	52

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

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’24

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
43%
$50K - $150K
28%
$150K - $350K
12%
$350K - $1M
10%
$1M - $2M
3%
Over $2M
2%

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 General Freight Trucking, Long-Distance, Less Than Truckload963 · $50,000

Common questions

How much do SBA lenders typically lend to a limousine service business?: The median SBA approval in NAICS 485320 is $50,000, with the middle 80% of loans between $10,000 and $563,000. Across all industries the median is $180,000.
Which lenders are most active in limousine service?: By dollars approved: The Huntington National Bank, Wells Fargo Bank, Newtek Small Business Finance, Inc., U.S. Bank, Harvest Small Business Finance, LLC. 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 limousine service considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 18.5% 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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