How much do SBA lenders typically lend to a all other transit and ground passenger transportation business?

The median SBA approval in NAICS 485999 is $75,000, with the middle 80% of loans between $15,000 and $723,000. Across all industries the median is $180,000.

Which lenders are most active in all other transit and ground passenger transportation?

By dollars approved: Wells Fargo Bank, The Huntington National Bank, Newtek Small Business Finance, Inc., Pathward, Empire State Certified Development Corporation. 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 all other transit and ground passenger transportation considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 15.7% 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 485999 · Transportation

SBA loans for all other transit and ground passenger transportation

746 SBA loans worth $199.7M have been approved in this industry since FY2010 - the #255 most-financed NAICS code in the country.

Median loan

$75,000

-58% vs all industries

Typical range

$15K-$723K

Middle 80%

Median rate

7.75%

7(a) initial note rate

Median term

8.8 yr

Charge-off rate

15.7%

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
Wells Fargo Bank	55	$13.6M
The Huntington National Bank	76	$11.1M
Newtek Small Business Finance, Inc.	12	$9.5M
Pathward	2	$7.7M
Empire State Certified Development Corporation	3	$7.3M
JPMorgan Chase Bank	31	$7.0M
Glacier Bank	5	$6.2M
Nicolet National Bank	5	$5.4M
Truist Bank	7	$4.7M
PNC Bank	28	$4.7M

Geography

Where these loans were made

State	Loans	Share
California	91
New York	72
Ohio	61
Massachusetts	45
Florida	44
Texas	43
Minnesota	35
Michigan	35

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
36%
$50K - $150K
27%
$150K - $350K
17%
$350K - $1M
13%
$1M - $2M
5%
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 all other transit and ground passenger transportation business?: The median SBA approval in NAICS 485999 is $75,000, with the middle 80% of loans between $15,000 and $723,000. Across all industries the median is $180,000.
Which lenders are most active in all other transit and ground passenger transportation?: By dollars approved: Wells Fargo Bank, The Huntington National Bank, Newtek Small Business Finance, Inc., Pathward, Empire State Certified Development Corporation. 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 all other transit and ground passenger transportation considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 15.7% 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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