How much do SBA lenders typically lend to a special needs transportation business?

The median SBA approval in NAICS 485991 is $75,000, with the middle 80% of loans between $15,000 and $727,000. Across all industries the median is $180,000.

Which lenders are most active in special needs transportation?

By dollars approved: The Huntington National Bank, JPMorgan Chase Bank, U.S. Bank, Newtek Small Business Finance, Inc., Wells Fargo 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 special needs transportation considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 14.4% 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 485991 · Transportation

SBA loans for special needs transportation

761 SBA loans worth $209.5M have been approved in this industry since FY2010 - the #247 most-financed NAICS code in the country.

Median loan

$75,000

-58% vs all industries

Typical range

$15K-$727K

Middle 80%

Median rate

8.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

14.4%

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	115	$11.5M
JPMorgan Chase Bank	44	$10.4M
U.S. Bank	49	$10.0M
Newtek Small Business Finance, Inc.	6	$8.1M
Wells Fargo Bank	47	$7.7M
Empire State Certified Development Corporation	3	$5.9M
Midwest Business Finance Corporation	3	$5.2M
Mortgage Capital Development Corporation	5	$4.9M
Fifth Third Bank	7	$4.6M
East Cambridge Savings Bank	1	$4.5M

Geography

Where these loans were made

State	Loans	Share
California	101
Ohio	91
New York	70
Massachusetts	53
Florida	46
New Jersey	31
Michigan	31
Texas	30

Approvals by fiscal year

’10

’11

’12

’13

’14

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’16

’17

’18

’19

’20

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
36%
$50K - $150K
27%
$150K - $350K
18%
$350K - $1M
12%
$1M - $2M
4%
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 Limousine Service1,190 · $50,000

Common questions

How much do SBA lenders typically lend to a special needs transportation business?: The median SBA approval in NAICS 485991 is $75,000, with the middle 80% of loans between $15,000 and $727,000. Across all industries the median is $180,000.
Which lenders are most active in special needs transportation?: By dollars approved: The Huntington National Bank, JPMorgan Chase Bank, U.S. Bank, Newtek Small Business Finance, Inc., Wells Fargo 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 special needs transportation considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 14.4% 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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