How Much Can Scenic and Sightseeing Transportation, Water Businesses Get in SBA Loans?
620 SBA loans totaling $157.9M have been approved for scenic and sightseeing transportation, water businesses (NAICS 487210). The average approved SBA loan is $255K, which is 25% below avg the $340K national average. 202 active lenders fund this industry with a 7.5% default rate on the matured 2018-2021 loan cohort.
At 7.5%, Scenic and Sightseeing Transportation, Water sits well below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — low 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 487210 (Scenic and Sightseeing Transportation, Water) received 620 SBA loans worth $157.9M across 5+ states. Average loan $255K, average term 119 months, 7.5% default rate (resolved-loan basis).202 active SBA-approved lenders fund this industry. Most scenic and sightseeing transportation, water loans use the SBA 7(a) program. There are approximately 2,243 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Scenic and Sightseeing Transportation, Water?+64% growth
Which SBA Program Do Scenic and Sightseeing Transportation, Water Businesses Use Most?
What Is the Best SBA Loan for Scenic and Sightseeing Transportation, Water?
The most widely used SBA program for scenic and sightseeing transportation, water businesses — flexible terms, multiple use cases
Where Are Scenic and Sightseeing Transportation, Water SBA Loans Most Common?
Top SBA Lenders for Scenic and Sightseeing Transportation, Water
These banks have funded the most SBA loans for scenic and sightseeing transportation, water businesses (NAICS 487210). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 36 | $2.9M |
| 2 | Bank of America, National Association(NC) | 35 | $3.0M |
| 3 | TD Bank, National Association(DE) | 34 | $3.8M |
| 4 | Bank of Hawaii(HI) | 18 | $2.1M |
| 5 | Manufacturers and Traders Trust Company(NY) | 16 | $2.7M |
Scenic and Sightseeing Transportation, Water Industry Context
Ready to Fund Your Scenic and Sightseeing Transportation, Water Business?
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How Does SBA Lending Work for Scenic and Sightseeing Transportation, Water Businesses?
Across all SBA loan programs, 620 loans have been approved for businesses classified under NAICS 487210 (Scenic and Sightseeing Transportation, Water), representing $157.9M in total capital deployed. The average approved loan of $255K is 25% below avg the national SBA average of $340K, with typical repayment terms of 119 months.
SBA lending for scenic and sightseeing transportation, water is accelerating — loan volume has grown approximately 64% 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 8% 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 scenic and sightseeing transportation, water 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 — Scenic and Sightseeing Transportation, Water SBA Loans
What is the average SBA loan size for scenic and sightseeing transportation, water businesses?
Which SBA loan program is best for a scenic and sightseeing transportation, water business?
How many lenders fund SBA loans for scenic and sightseeing transportation, water?
What states have the most SBA lending for scenic and sightseeing transportation, water?
How does PeerSense help scenic and sightseeing transportation, water businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Scenic and Sightseeing Transportation, Water defined by NAICS code 487210. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.