How Much Can Freight Transportation Arrangement Businesses Get in SBA Loans?
3,253 SBA loans totaling $1.1B have been approved for freight transportation arrangement businesses (NAICS 488510). The average approved SBA loan is $335K, which is near national avg the $340K national average. 418 active lenders fund this industry with a 15.7% default rate on the matured 2018-2021 loan cohort.
At 15.7%, Freight Transportation Arrangement 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 488510 (Freight Transportation Arrangement) received 3,253 SBA loans worth $1.1B across 5+ states. Average loan $335K, average term 117 months, 15.7% default rate (resolved-loan basis).418 active SBA-approved lenders fund this industry. Most freight transportation arrangement loans use the SBA 7(a) program.
Is SBA Lending Growing for Freight Transportation Arrangement?+27% growth
Which SBA Program Do Freight Transportation Arrangement Businesses Use Most?
What Is the Best SBA Loan for Freight Transportation Arrangement?
The most widely used SBA program for freight transportation arrangement businesses: flexible terms, multiple use cases
Where Are Freight Transportation Arrangement SBA Loans Most Common?
SBA Lending Activity in Freight Transportation Arrangement
418 SBA lenders have funded 3,253 loans to freight transportation arrangement businesses (NAICS 488510). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.
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How Does SBA Lending Work for Freight Transportation Arrangement Businesses?
Across all SBA loan programs, 3,253 loans have been approved for businesses classified under NAICS 488510 (Freight Transportation Arrangement), representing $1.1B in total capital deployed. The average approved loan of $335K is near national avg the national SBA average of $340K, with typical repayment terms of 117 months.
SBA lending for freight transportation arrangement is accelerating. Loan volume has grown approximately 27% 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 11% 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 freight transportation arrangement 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.
Frequently Asked Questions: Freight Transportation Arrangement SBA Loans
What is the average SBA loan size for freight transportation arrangement businesses?
Which SBA loan program is best for a freight transportation arrangement business?
How many lenders fund SBA loans for freight transportation arrangement?
What states have the most SBA lending for freight transportation arrangement?
How does PeerSense help freight transportation arrangement businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Freight Transportation Arrangement defined by NAICS code 488510. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.