How Much Can Charter Bus Industry Businesses Get in SBA Loans?
662 SBA loans totaling $278.5M have been approved for charter bus industry businesses (NAICS 485510). The average approved SBA loan is $421K, which is 24% above avg the $340K national average. 229 active lenders fund this industry with a 17.0% default rate on the matured 2018-2021 loan cohort.
At 17.0%, Charter Bus Industry 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 485510 (Charter Bus Industry) received 662 SBA loans worth $278.5M across 5+ states. Average loan $421K, average term 123 months, 17.0% default rate (resolved-loan basis).229 active SBA-approved lenders fund this industry. Most charter bus industry loans use the SBA 7(a) program. There are approximately 1,129 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Charter Bus Industry?+91% growth
Which SBA Program Do Charter Bus Industry Businesses Use Most?
What Is the Best SBA Loan for Charter Bus Industry?
The most widely used SBA program for charter bus industry businesses — flexible terms, multiple use cases
Where Are Charter Bus Industry SBA Loans Most Common?
Top SBA Lenders for Charter Bus Industry
These banks have funded the most SBA loans for charter bus industry businesses (NAICS 485510). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 38 | $13.7M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 37 | $10.6M |
| 3 | PNC Bank, National Association(DE) | 27 | $8.4M |
| 4 | U.S. Bank, National Association(OH) | 27 | $8.7M |
| 5 | Bank of America, National Association(NC) | 23 | $2.4M |
Charter Bus Industry Industry Context
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How Does SBA Lending Work for Charter Bus Industry Businesses?
Across all SBA loan programs, 662 loans have been approved for businesses classified under NAICS 485510 (Charter Bus Industry), representing $278.5M in total capital deployed. The average approved loan of $421K is 24% above avg the national SBA average of $340K, with typical repayment terms of 123 months.
SBA lending for charter bus industry is accelerating — loan volume has grown approximately 91% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2017.
The industry sees a balanced mix of SBA programs, with 12% 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 charter bus industry 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 — Charter Bus Industry SBA Loans
What is the average SBA loan size for charter bus industry businesses?
Which SBA loan program is best for a charter bus industry business?
How many lenders fund SBA loans for charter bus industry?
What states have the most SBA lending for charter bus industry?
How does PeerSense help charter bus industry businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Charter Bus Industry defined by NAICS code 485510. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.