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. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
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?
Top SBA Lenders for Postal Service
These banks have funded the most SBA loans for postal service businesses (NAICS 491110). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Readycap Lending, LLC(NJ) | 78 | $14.9M |
| 2 | Wells Fargo Bank National Association(SD) | 30 | $3.1M |
| 3 | TD Bank, National Association(DE) | 28 | $3.8M |
| 4 | U.S. Bank, National Association(OH) | 27 | $1.7M |
| 5 | PNC Bank, National Association(DE) | 21 | $2.7M |
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PeerSense places SBA loans for postal service businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
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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.
PeerSense specializes in matching postal 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 — 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 (1992–2025). Postal Service defined by NAICS code 491110. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.