How Much Can Short Line Railroads Businesses Get in SBA Loans?
21 SBA loans totaling $16.7M have been approved for short line railroads businesses (NAICS 482112). The average approved SBA loan is $796K, which is 134% above avg the $340K national average. 19 active lenders fund this industry.
NAICS 482112 (Short Line Railroads) received 21 SBA loans worth $16.7M across 5+ states. Average loan $796K, average term 108 months.19 active SBA-approved lenders fund this industry. Most short line railroads loans use the SBA 7(a) program.
Is SBA Lending Growing for Short Line Railroads?
Which SBA Program Do Short Line Railroads Businesses Use Most?
What Is the Best SBA Loan for Short Line Railroads?
The most widely used SBA program for short line railroads businesses — flexible terms, multiple use cases
Where Are Short Line Railroads SBA Loans Most Common?
Top SBA Lenders for Short Line Railroads
These banks have funded the most SBA loans for short line railroads businesses (NAICS 482112). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | BancFirst(OK) | 2 | $3.2M |
| 2 | Rockland Trust Company(MA) | 2 | $1.5M |
| 3 | Dime Community Bank(NY) | 1 | $3.9M |
| 4 | Business Loan Center, LLC(SC) | 1 | $1.9M |
| 5 | Columbia Bank(OR) | 1 | $25K |
Short Line Railroads Industry Context
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How Does SBA Lending Work for Short Line Railroads Businesses?
Across all SBA loan programs, 21 loans have been approved for businesses classified under NAICS 482112 (Short Line Railroads), representing $16.7M in total capital deployed. The average approved loan of $796K is 134% above avg the national SBA average of $340K, with typical repayment terms of 108 months.
SBA lending for short line railroads has remained relatively stable across recent fiscal years. 19 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 short line railroads 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 short line railroads 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 100+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Short Line Railroads SBA Loans
What is the average SBA loan size for short line railroads businesses?
Which SBA loan program is best for a short line railroads business?
How many lenders fund SBA loans for short line railroads?
What states have the most SBA lending for short line railroads?
How does PeerSense help short line railroads businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Short Line Railroads defined by NAICS code 482112. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.