How much do SBA lenders typically lend to a ambulance services business?

The median SBA approval in NAICS 621910 is $200,000, with the middle 80% of loans between $25,000 and $1,275,000. Across all industries the median is $180,000.

Which lenders are most active in ambulance services?

By dollars approved: U.S. Bank, The Huntington National Bank, JPMorgan Chase Bank, KeyBank, 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 ambulance services considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 11.9% 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 621910 · Health Care

SBA loans for ambulance services

541 SBA loans worth $248.7M have been approved in this industry since FY2010 - the #323 most-financed NAICS code in the country.

Median loan

$200,000

+11% vs all industries

Typical range

$25K-$1.3M

Middle 80%

Median rate

6.75%

7(a) initial note rate

Median term

10 yr

Charge-off rate

11.9%

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
U.S. Bank	16	$15.6M
The Huntington National Bank	27	$14.3M
JPMorgan Chase Bank	28	$10.5M
KeyBank	8	$9.8M
Wells Fargo Bank	24	$9.0M
Truist Bank	8	$6.8M
Old National Bank	8	$6.1M
Zions Bank, A Division of	14	$5.6M
Pathward	3	$5.3M
CDC Small Business Finance Corp.	5	$5.2M

Geography

Where these loans were made

State	Loans	Share
California	64
Puerto Rico	53
Texas	37
Ohio	35
Illinois	32
New Jersey	26
Pennsylvania	20
Virginia	20

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
18%
$50K - $150K
23%
$150K - $350K
28%
$350K - $1M
19%
$1M - $2M
8%
Over $2M
5%

Nearby

Other health care industries

See the sector

Offices of Dentists18,185 · $405,000 Offices of Physicians15,804 · $270,000 Child Care Services15,205 · $387,000 Offices of Chiropractors9,664 · $125,950 Home Health Care Services7,245 · $166,000 Offices of All Other Miscellaneous Health Practitioners5,784 · $150,000 Offices of Physical, Occupational and Speech Therapists, and Audiologists5,730 · $145,000 Offices of Mental Health Practitioners4,139 · $135,000

Common questions

How much do SBA lenders typically lend to a ambulance services business?: The median SBA approval in NAICS 621910 is $200,000, with the middle 80% of loans between $25,000 and $1,275,000. Across all industries the median is $180,000.
Which lenders are most active in ambulance services?: By dollars approved: U.S. Bank, The Huntington National Bank, JPMorgan Chase Bank, KeyBank, 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 ambulance services considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 11.9% 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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