How Much Can Couriers Businesses Get in SBA Loans?
2,724 SBA loans totaling $908.7M have been approved for couriers businesses (NAICS 492110). The average approved SBA loan is $334K, which is near national avg the $340K national average. 419 active lenders fund this industry with a 17.9% default rate on the matured 2018-2021 loan cohort.
At 17.9%, Couriers 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 492110 (Couriers) received 2,724 SBA loans worth $908.7M across 5+ states. Average loan $334K, average term 103 months, 17.9% default rate (resolved-loan basis).419 active SBA-approved lenders fund this industry. Most couriers loans use the SBA 7(a) program. There are approximately 11,667 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Couriers?+28% growth
Which SBA Program Do Couriers Businesses Use Most?
What Is the Best SBA Loan for Couriers?
The most widely used SBA program for couriers businesses — flexible terms, multiple use cases
Where Are Couriers SBA Loans Most Common?
Top SBA Lenders for Couriers
These banks have funded the most SBA loans for couriers businesses (NAICS 492110). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 172 | $23.0M |
| 2 | U.S. Bank, National Association(OH) | 142 | $30.0M |
| 3 | Bank of America, National Association(NC) | 124 | $10.7M |
| 4 | TD Bank, National Association(DE) | 117 | $13.9M |
| 5 | Stearns Bank National Association(MN) | 105 | $49.1M |
Couriers Industry Context
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How Does SBA Lending Work for Couriers Businesses?
Across all SBA loan programs, 2,724 loans have been approved for businesses classified under NAICS 492110 (Couriers), representing $908.7M in total capital deployed. The average approved loan of $334K is near national avg the national SBA average of $340K, with typical repayment terms of 103 months.
SBA lending for couriers is accelerating — loan volume has grown approximately 28% 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 overwhelming majority of SBA lending for couriers uses the 7(a) program, which provides the most flexibility — covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.
PeerSense specializes in matching couriers 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 — Couriers SBA Loans
What is the average SBA loan size for couriers businesses?
Which SBA loan program is best for a couriers business?
How many lenders fund SBA loans for couriers?
What states have the most SBA lending for couriers?
How does PeerSense help couriers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Couriers defined by NAICS code 492110. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.