How Much Can Inland Water Freight Transportation Businesses Get in SBA Loans?
184 SBA loans totaling $79.5M have been approved for inland water freight transportation businesses (NAICS 483211). The average approved SBA loan is $432K, which is 27% above avg the $340K national average. 84 active lenders fund this industry with a 14.3% default rate on the matured 2018-2021 loan cohort.
At 14.3%, Inland Water Freight Transportation sits below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — moderate 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 483211 (Inland Water Freight Transportation) received 184 SBA loans worth $79.5M across 5+ states. Average loan $432K, average term 111 months, 14.3% default rate (resolved-loan basis).84 active SBA-approved lenders fund this industry. Most inland water freight transportation loans use the SBA 7(a) program. There are approximately 382 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Inland Water Freight Transportation?-22% decline
Which SBA Program Do Inland Water Freight Transportation Businesses Use Most?
What Is the Best SBA Loan for Inland Water Freight Transportation?
The most widely used SBA program for inland water freight transportation businesses — flexible terms, multiple use cases
Where Are Inland Water Freight Transportation SBA Loans Most Common?
Top SBA Lenders for Inland Water Freight Transportation
These banks have funded the most SBA loans for inland water freight transportation businesses (NAICS 483211). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Manufacturers and Traders Trust Company(NY) | 13 | $1.4M |
| 2 | Wells Fargo Bank National Association(SD) | 12 | $1.4M |
| 3 | PNC Bank, National Association(DE) | 11 | $1.1M |
| 4 | KeyBank National Association(OH) | 7 | $5.4M |
| 5 | JPMorgan Chase Bank, National Association(OH) | 7 | $1.3M |
Inland Water Freight Transportation Industry Context
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How Does SBA Lending Work for Inland Water Freight Transportation Businesses?
Across all SBA loan programs, 184 loans have been approved for businesses classified under NAICS 483211 (Inland Water Freight Transportation), representing $79.5M in total capital deployed. The average approved loan of $432K is 27% above avg the national SBA average of $340K, with typical repayment terms of 111 months.
SBA lending for inland water freight transportation has contracted approximately 22% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 84 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 14% 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 inland water freight transportation 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 — Inland Water Freight Transportation SBA Loans
What is the average SBA loan size for inland water freight transportation businesses?
Which SBA loan program is best for a inland water freight transportation business?
How many lenders fund SBA loans for inland water freight transportation?
What states have the most SBA lending for inland water freight transportation?
How does PeerSense help inland water freight transportation businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Inland Water Freight Transportation defined by NAICS code 483211. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.