How Much Can Ambulance Services Businesses Get in SBA Loans?
887 SBA loans totaling $294.1M have been approved for ambulance services businesses (NAICS 621910). The average approved SBA loan is $332K, which is near national avg the $340K national average. 236 active lenders fund this industry with a 16.6% default rate on the matured 2018-2021 loan cohort.
At 16.6%, Ambulance Services sits above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — above average default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 621910 (Ambulance Services) received 887 SBA loans worth $294.1M across 5+ states. Average loan $332K, average term 105 months, 16.6% default rate (resolved-loan basis).236 active SBA-approved lenders fund this industry. Most ambulance services loans use the SBA 7(a) program. There are approximately 5,644 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Ambulance Services?+129% growth
Which SBA Program Do Ambulance Services Businesses Use Most?
What Is the Best SBA Loan for Ambulance Services?
The most widely used SBA program for ambulance services businesses — flexible terms, multiple use cases
Where Are Ambulance Services SBA Loans Most Common?
Top SBA Lenders for Ambulance Services
These banks have funded the most SBA loans for ambulance services businesses (NAICS 621910). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Banco Popular de Puerto Rico(PR) | 65 | $4.5M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 47 | $12.5M |
| 3 | Wells Fargo Bank National Association(SD) | 43 | $11.7M |
| 4 | Citizens Bank, National Association(RI) | 30 | $2.4M |
| 5 | The Huntington National Bank(OH) | 28 | $9.1M |
Ambulance Services Industry Context
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How Does SBA Lending Work for Ambulance Services Businesses?
Across all SBA loan programs, 887 loans have been approved for businesses classified under NAICS 621910 (Ambulance Services), representing $294.1M in total capital deployed. The average approved loan of $332K is near national avg the national SBA average of $340K, with typical repayment terms of 105 months.
SBA lending for ambulance services is accelerating — loan volume has grown approximately 129% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.
The industry sees a balanced mix of SBA programs, with 9% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.
PeerSense specializes in matching ambulance services business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Ambulance Services SBA Loans
What is the average SBA loan size for ambulance services businesses?
Which SBA loan program is best for a ambulance services business?
How many lenders fund SBA loans for ambulance services?
What states have the most SBA lending for ambulance services?
How does PeerSense help ambulance services businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Ambulance Services defined by NAICS code 621910. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.