How Much Can School and Employee Bus Transportation Businesses Get in SBA Loans?
636 SBA loans totaling $243.2M have been approved for school and employee bus transportation businesses (NAICS 485410). The average approved SBA loan is $382K, which is 12% above avg the $340K national average. 185 active lenders fund this industry with a 11.3% default rate on the matured 2018-2021 loan cohort.
At 11.3%, School and Employee Bus 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 485410 (School and Employee Bus Transportation) received 636 SBA loans worth $243.2M across 5+ states. Average loan $382K, average term 120 months, 11.3% default rate (resolved-loan basis).185 active SBA-approved lenders fund this industry. Most school and employee bus transportation loans use the SBA 7(a) program. There are approximately 4,000 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for School and Employee Bus Transportation?+200% growth
Which SBA Program Do School and Employee Bus Transportation Businesses Use Most?
What Is the Best SBA Loan for School and Employee Bus Transportation?
The most widely used SBA program for school and employee bus transportation businesses — flexible terms, multiple use cases
Where Are School and Employee Bus Transportation SBA Loans Most Common?
Top SBA Lenders for School and Employee Bus Transportation
These banks have funded the most SBA loans for school and employee bus transportation businesses (NAICS 485410). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | TD Bank, National Association(DE) | 49 | $5.8M |
| 2 | Manufacturers and Traders Trust Company(NY) | 41 | $6.7M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 31 | $11.1M |
| 4 | Wells Fargo Bank National Association(SD) | 24 | $10.9M |
| 5 | Citizens Bank, National Association(RI) | 16 | $6.3M |
School and Employee Bus Transportation Industry Context
Ready to Fund Your School and Employee Bus Transportation Business?
PeerSense places SBA loans for school and employee bus transportation 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 School and Employee Bus Transportation Businesses?
Across all SBA loan programs, 636 loans have been approved for businesses classified under NAICS 485410 (School and Employee Bus Transportation), representing $243.2M in total capital deployed. The average approved loan of $382K is 12% above avg the national SBA average of $340K, with typical repayment terms of 120 months.
SBA lending for school and employee bus transportation is accelerating — loan volume has grown approximately 200% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2024.
The industry sees a balanced mix of SBA programs, with 10% 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 school and employee bus 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 — School and Employee Bus Transportation SBA Loans
What is the average SBA loan size for school and employee bus transportation businesses?
Which SBA loan program is best for a school and employee bus transportation business?
How many lenders fund SBA loans for school and employee bus transportation?
What states have the most SBA lending for school and employee bus transportation?
How does PeerSense help school and employee bus transportation businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). School and Employee Bus Transportation defined by NAICS code 485410. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.