How Much Can Limousine Service Businesses Get in SBA Loans?
2,180 SBA loans totaling $347.4M have been approved for limousine service businesses (NAICS 485320). The average approved SBA loan is $159K, which is 53% below avg the $340K national average. 303 active lenders fund this industry with a 27.6% default rate on the matured 2018-2021 loan cohort.
At 27.6%, Limousine Service sits well above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — elevated 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 485320 (Limousine Service) received 2,180 SBA loans worth $347.4M across 5+ states. Average loan $159K, average term 94 months, 27.6% default rate (resolved-loan basis).303 active SBA-approved lenders fund this industry. Most limousine service loans use the SBA 7(a) program.
Is SBA Lending Growing for Limousine Service?+22% growth
Which SBA Program Do Limousine Service Businesses Use Most?
What Is the Best SBA Loan for Limousine Service?
The most widely used SBA program for limousine service businesses — flexible terms, multiple use cases
Where Are Limousine Service SBA Loans Most Common?
Top SBA Lenders for Limousine Service
These banks have funded the most SBA loans for limousine service businesses (NAICS 485320). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 238 | $8.8M |
| 2 | U.S. Bank, National Association(OH) | 159 | $13.7M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 150 | $8.8M |
| 4 | TD Bank, National Association(DE) | 145 | $7.2M |
| 5 | Wells Fargo Bank National Association(SD) | 135 | $18.7M |
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How Does SBA Lending Work for Limousine Service Businesses?
Across all SBA loan programs, 2,180 loans have been approved for businesses classified under NAICS 485320 (Limousine Service), representing $347.4M in total capital deployed. The average approved loan of $159K is 53% below avg the national SBA average of $340K, with typical repayment terms of 94 months.
SBA lending for limousine service is accelerating — loan volume has grown approximately 22% 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 overwhelming majority of SBA lending for limousine service 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 limousine service 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 — Limousine Service SBA Loans
What is the average SBA loan size for limousine service businesses?
Which SBA loan program is best for a limousine service business?
How many lenders fund SBA loans for limousine service?
What states have the most SBA lending for limousine service?
How does PeerSense help limousine service businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Limousine Service defined by NAICS code 485320. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.