How much do SBA lenders typically lend to a support activities for rail transportation business?

The median SBA approval in NAICS 488210 is $250,000, with the middle 80% of loans between $45,000 and $1,900,000. Across all industries the median is $180,000.

Which lenders are most active in support activities for rail transportation?

By dollars approved: Byline Bank, The Fidelity Bank, Lincoln Savings Bank, Simmons Bank, 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 support activities for rail transportation considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.5% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

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NAICS 488210 · Transportation

SBA loans for support activities for rail transportation

84 SBA loans worth $51.3M have been approved in this industry since FY2010 - the #730 most-financed NAICS code in the country.

Median loan

$250,000

+39% vs all industries

Typical range

$45K-$1.9M

Middle 80%

Median rate

6.25%

7(a) initial note rate

Median term

10 yr

Charge-off rate

4.5%

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
Byline Bank	3	$9.9M
The Fidelity Bank	2	$3.4M
Lincoln Savings Bank	2	$3.0M
Simmons Bank	2	$2.9M
Wells Fargo Bank	5	$2.9M
Truist Bank	1	$2.7M
Small Business Growth Corporation	2	$2.5M
Bank of Lake Village	1	$1.9M
CenTrust Bank, A Division of SmartBiz Bank	1	$1.9M
Capital Matrix, Inc.	1	$1.7M

Geography

Where these loans were made

State	Loans	Share
Illinois	12
Texas	9
Ohio	8
Indiana	7
Colorado	5
North Dakota	5
California	3
Georgia	3

An SBA 7(a) lender for loans this size

58% of the SBA loans approved in support activities for rail transportation since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.

Check options with SmartBiz

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Approvals by fiscal year

’11

’13

’15

’17

’19

’21

’23

’25

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
11%
$50K - $150K
26%
$150K - $350K
21%
$350K - $1M
26%
$1M - $2M
7%
Over $2M
8%

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 support activities for rail transportation business?: The median SBA approval in NAICS 488210 is $250,000, with the middle 80% of loans between $45,000 and $1,900,000. Across all industries the median is $180,000.
Which lenders are most active in support activities for rail transportation?: By dollars approved: Byline Bank, The Fidelity Bank, Lincoln Savings Bank, Simmons Bank, 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 support activities for rail transportation considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.5% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

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