How Much Can Specialized Freight (except Used Goods) Trucking, Local Businesses Get in SBA Loans?
5,115 SBA loans totaling $934.8M have been approved for specialized freight (except used goods) trucking, local businesses (NAICS 484220). The average approved SBA loan is $183K, which is 46% below avg the $340K national average. 681 active lenders fund this industry with a 15.9% default rate on the matured 2018-2021 loan cohort.
At 15.9%, Specialized Freight (except Used Goods) Trucking, Local 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 484220 (Specialized Freight (except Used Goods) Trucking, Local) received 5,115 SBA loans worth $934.8M across 5+ states. Average loan $183K, average term 88 months, 15.9% default rate (resolved-loan basis).681 active SBA-approved lenders fund this industry. Most specialized freight (except used goods) trucking, local loans use the SBA 7(a) program.
Is SBA Lending Growing for Specialized Freight (except Used Goods) Trucking, Local?+32% growth
Which SBA Program Do Specialized Freight (except Used Goods) Trucking, Local Businesses Use Most?
What Is the Best SBA Loan for Specialized Freight (except Used Goods) Trucking, Local?
The most widely used SBA program for specialized freight (except used goods) trucking, local businesses: flexible terms, multiple use cases
Where Are Specialized Freight (except Used Goods) Trucking, Local SBA Loans Most Common?
SBA Lending Activity in Specialized Freight (except Used Goods) Trucking, Local
681 SBA lenders have funded 5,115 loans to specialized freight (except used goods) trucking, local businesses (NAICS 484220). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.
Specialized Freight (except Used Goods) Trucking, Local Industry Context
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How Does SBA Lending Work for Specialized Freight (except Used Goods) Trucking, Local Businesses?
Across all SBA loan programs, 5,115 loans have been approved for businesses classified under NAICS 484220 (Specialized Freight (except Used Goods) Trucking, Local), representing $934.8M in total capital deployed. The average approved loan of $183K is 46% below avg the national SBA average of $340K, with typical repayment terms of 88 months.
SBA lending for specialized freight (except used goods) trucking, local is accelerating. Loan volume has grown approximately 32% 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 overwhelming majority of SBA lending for specialized freight (except used goods) trucking, local 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 specialized freight (except used goods) trucking, local 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.
Frequently Asked Questions: Specialized Freight (except Used Goods) Trucking, Local SBA Loans
What is the average SBA loan size for specialized freight (except used goods) trucking, local businesses?
Which SBA loan program is best for a specialized freight (except used goods) trucking, local business?
How many lenders fund SBA loans for specialized freight (except used goods) trucking, local?
What states have the most SBA lending for specialized freight (except used goods) trucking, local?
How does PeerSense help specialized freight (except used goods) trucking, local businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Specialized Freight (except Used Goods) Trucking, Local defined by NAICS code 484220. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.