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.

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
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

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
34%
$50K - $150K
23%
$150K - $350K
16%
$350K - $1M
18%
$1M - $2M
6%
Over $2M
3%

Nearby

Other transportation industries

See the sector

Couriers and Express Delivery Services2,073 · $200,000 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 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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