How Much Can Postal Service Businesses Get in SBA Loans?
588 SBA loans totaling $92.7M have been approved for postal service businesses (NAICS 491110). The average approved SBA loan is $158K, which is 54% below avg the $340K national average. 148 active lenders fund this industry with a 19.7% default rate on the matured 2018-2021 loan cohort.
At 19.7%, Postal 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. The capital source prices this risk into rate and structure.
NAICS 491110 (Postal Service) received 588 SBA loans worth $92.7M across 5+ states. Average loan $158K, average term 95 months, 19.7% default rate (resolved loan basis).148 active SBA approved lenders fund this industry. Most postal service loans use the SBA 7(a) program.
Is SBA Lending Growing for Postal Service?
Which SBA Program Do Postal Service Businesses Use Most?
What Is the Best SBA Loan for Postal Service?
The most widely used SBA program for postal service businesses: flexible terms, multiple use cases
Where Are Postal Service SBA Loans Most Common?
SBA Lending Activity in Postal Service
148 SBA lenders have funded 588 loans to postal service businesses (NAICS 491110). 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.
Talk to PeerSense
PeerSense sources capital for postal service businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Talk to PeerSense about financing a Postal Service business.
Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.
SBA 7(a) / 504: PeerSense will reach out. No obligation.
How Does SBA Lending Work for Postal Service Businesses?
Across all SBA loan programs, 588 loans have been approved for businesses classified under NAICS 491110 (Postal Service), representing $92.7M in total capital deployed. The average approved loan of $158K is 54% below avg the national SBA average of $340K, with typical repayment terms of 95 months.
SBA lending for postal service has remained relatively stable across recent fiscal years. 148 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The overwhelming majority of SBA lending for postal 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.
Talk to PeerSense about a postal service file. The capital source sets the terms. The desk fee is paid at closing, never upfront.
Frequently Asked Questions: Postal Service SBA Loans
What is the average SBA loan size for postal service businesses?
Which SBA loan program is best for a postal service business?
How many lenders fund SBA loans for postal service?
What states have the most SBA lending for postal service?
How does PeerSense help postal service businesses get SBA loans?
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Data aggregated from SBA loan records (1992 to 2025). Postal Service defined by NAICS code 491110. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.