How Much Can Special Needs Transportation Businesses Get in SBA Loans?
965 SBA loans totaling $234.1M have been approved for special needs transportation businesses (NAICS 485991). The average approved SBA loan is $243K, which is 29% below avg the $340K national average. 236 active lenders fund this industry with a 18.5% default rate on the matured 2018-2021 loan cohort.
At 18.5%, Special Needs Transportation sits above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — above average 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 485991 (Special Needs Transportation) received 965 SBA loans worth $234.1M across 5+ states. Average loan $243K, average term 107 months, 18.5% default rate (resolved-loan basis).236 active SBA-approved lenders fund this industry. Most special needs transportation loans use the SBA 7(a) program. There are approximately 3,825 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Special Needs Transportation?+73% growth
Which SBA Program Do Special Needs Transportation Businesses Use Most?
What Is the Best SBA Loan for Special Needs Transportation?
The most widely used SBA program for special needs transportation businesses — flexible terms, multiple use cases
Where Are Special Needs Transportation SBA Loans Most Common?
Top SBA Lenders for Special Needs Transportation
These banks have funded the most SBA loans for special needs transportation businesses (NAICS 485991). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 109 | $10.6M |
| 2 | U.S. Bank, National Association(OH) | 60 | $10.8M |
| 3 | Wells Fargo Bank National Association(SD) | 56 | $9.8M |
| 4 | TD Bank, National Association(DE) | 55 | $3.5M |
| 5 | JPMorgan Chase Bank, National Association(OH) | 54 | $10.7M |
Special Needs Transportation Industry Context
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How Does SBA Lending Work for Special Needs Transportation Businesses?
Across all SBA loan programs, 965 loans have been approved for businesses classified under NAICS 485991 (Special Needs Transportation), representing $234.1M in total capital deployed. The average approved loan of $243K is 29% below avg the national SBA average of $340K, with typical repayment terms of 107 months.
SBA lending for special needs transportation is accelerating — loan volume has grown approximately 73% 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 5% 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 special needs 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 — Special Needs Transportation SBA Loans
What is the average SBA loan size for special needs transportation businesses?
Which SBA loan program is best for a special needs transportation business?
How many lenders fund SBA loans for special needs transportation?
What states have the most SBA lending for special needs transportation?
How does PeerSense help special needs transportation businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Special Needs Transportation defined by NAICS code 485991. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.