How much do SBA lenders typically lend to a couriers and express delivery services business?

The median SBA approval in NAICS 492110 is $200,000, with the middle 80% of loans between $20,000 and $1,146,000. Across all industries the median is $180,000.

Which lenders are most active in couriers and express delivery services?

By dollars approved: Readycap Lending, LLC, Stearns Bank, Falcon National Bank, BankVista, Byline 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 couriers and express delivery services considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.1% 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 492110 · Transportation

SBA loans for couriers and express delivery services

2,073 SBA loans worth $879.3M have been approved in this industry since FY2010 - the #115 most-financed NAICS code in the country.

Median loan

$200,000

+11% vs all industries

Typical range

$20K-$1.1M

Middle 80%

Median rate

7.75%

7(a) initial note rate

Median term

10 yr

Charge-off rate

10.1%

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
Readycap Lending, LLC	62	$61.5M
Stearns Bank	102	$48.8M
Falcon National Bank	49	$41.4M
BankVista	64	$40.0M
Byline Bank	35	$33.4M
U.S. Bank	123	$28.6M
Celtic Bank Corporation	54	$26.8M
GBank	23	$25.3M
The Huntington National Bank	96	$19.3M
Wells Fargo Bank	129	$19.0M

Geography

Where these loans were made

State	Loans	Share
California	229
Florida	151
Texas	141
New York	128
Minnesota	121
Massachusetts	93
Georgia	83
Illinois	79

Approvals by fiscal year

’10

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
23%
$50K - $150K
19%
$150K - $350K
19%
$350K - $1M
26%
$1M - $2M
11%
Over $2M
2%

Nearby

Other transportation industries

See the sector

Local Messengers and Local Delivery941 · $100,000 General Warehousing and Storage887 · $496,000 Other Warehousing and Storage268 · $437,000 Postal Service166 · $150,000 Refrigerated Warehousing and Storage156 · $1,259,000

Common questions

How much do SBA lenders typically lend to a couriers and express delivery services business?: The median SBA approval in NAICS 492110 is $200,000, with the middle 80% of loans between $20,000 and $1,146,000. Across all industries the median is $180,000.
Which lenders are most active in couriers and express delivery services?: By dollars approved: Readycap Lending, LLC, Stearns Bank, Falcon National Bank, BankVista, Byline 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 couriers and express delivery services considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.1% 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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