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NAICS 492210 · Transportation
SBA loans for local messengers and local delivery
941 SBA loans worth $307.3M have been approved in this industry since FY2010 - the #214 most-financed NAICS code in the country.
Median loan
$100,000
-44% vs all industries
Typical range
$15K-$890K
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 | Share |
|---|---|---|---|
| Byline Bank | 20 | $21.4M | |
| Stearns Bank | 50 | $15.9M | |
| Newtek Small Business Finance, Inc. | 18 | $15.1M | |
| GBank | 11 | $13.3M | |
| The Huntington National Bank | 70 | $13.1M | |
| IncredibleBank | 14 | $11.6M | |
| KeyBank | 21 | $10.5M | |
| Readycap Lending, LLC | 14 | $10.3M | |
| Live Oak Banking Company | 7 | $8.2M | |
| Celtic Bank Corporation | 15 | $8.2M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 85 | |
| Florida | 78 | |
| New York | 66 | |
| Ohio | 60 | |
| Colorado | 45 | |
| Illinois | 45 | |
| Texas | 40 | |
| Pennsylvania | 34 |
An SBA 7(a) lender for loans this size
73% of the SBA loans approved in local messengers and local delivery 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 SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Approvals by fiscal year
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K34%
- $50K - $150K23%
- $150K - $350K16%
- $350K - $1M18%
- $1M - $2M6%
- Over $2M3%
Franchise brands in Local Messengers and Local Delivery
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Fedex Ground | 51 | $15.7M | |
| The UPS Store | 20 | $6.0M | |
| Fedex | 4 | $435K | |
| Unishippers | 2 | $475K | |
| Pak Mail Centers | 2 | $250K | |
| Safe Ship | 1 | $30K | |
| PostalAnnex+ | 1 | $150K | |
| Fazoli's | 1 | $1.1M | |
| Two Men and a Truck | 1 | $748K | |
| College Hunks Hauling Junk, College Hunks Moving, College Hunks Hauling Junk & Moving | 1 | $140K |
Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.
Nearby
Other transportation industries
Common questions
- How much do SBA lenders typically lend to a local messengers and local delivery business?
- The median SBA approval in NAICS 492210 is $100,000, with the middle 80% of loans between $15,000 and $889,800. Across all industries the median is $180,000.
- Which lenders are most active in local messengers and local delivery?
- By dollars approved: Byline Bank, Stearns Bank, Newtek Small Business Finance, Inc., GBank, The Huntington National 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 local messengers and local delivery 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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