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

The median SBA approval in NAICS 491110 is $150,000, with the middle 80% of loans between $25,000 and $600,000. Across all industries the median is $180,000.

Which lenders are most active in postal service?

By dollars approved: Live Oak Banking Company, Celtic Bank Corporation, The Huntington National Bank, Bank of Hope, Citizens 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 postal service considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.1% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 491110 · Transportation

SBA loans for postal service

166 SBA loans worth $41.6M have been approved in this industry since FY2010 - the #580 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$25K-$600K

Middle 80%

Median rate

7.25%

7(a) initial note rate

Median term

10 yr

Charge-off rate

8.1%

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
Live Oak Banking Company	12	$8.3M
Celtic Bank Corporation	10	$3.5M
The Huntington National Bank	16	$3.0M
Bank of Hope	3	$2.8M
Citizens Bank	7	$2.1M
Zions Bank, A Division of	5	$1.8M
Hancock Whitney Bank	4	$970K
Western Alliance Bank	3	$964K
Wells Fargo Bank	8	$940K
Granite Bank	1	$844K

Geography

Where these loans were made

State	Loans	Share
California	26
Texas	14
Florida	12
Colorado	8
New York	7
New Jersey	7
Maryland	7
North Carolina	7

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
17%
$50K - $150K
28%
$150K - $350K
35%
$350K - $1M
16%
$1M - $2M
4%
Over $2M
1%

Nearby

Other transportation industries

See the sector

Couriers and Express Delivery Services2,073 · $200,000 Local Messengers and Local Delivery941 · $100,000 General Warehousing and Storage887 · $496,000 Other Warehousing and Storage268 · $437,000 Refrigerated Warehousing and Storage156 · $1,259,000

Common questions

How much do SBA lenders typically lend to a postal service business?: The median SBA approval in NAICS 491110 is $150,000, with the middle 80% of loans between $25,000 and $600,000. Across all industries the median is $180,000.
Which lenders are most active in postal service?: By dollars approved: Live Oak Banking Company, Celtic Bank Corporation, The Huntington National Bank, Bank of Hope, Citizens 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 postal service considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 8.1% were charged off, versus 7.6% across all SBA lending. That is close to average.

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