Which SBA program is best for Specialized Freight (except Used Goods) Trucking, Long-Distance?

The SBA 7(a) program is the most commonly used for Specialized Freight (except Used Goods) Trucking, Long-Distance businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 484230Transportation & WarehousingLending Growing

How Much Can Specialized Freight (except Used Goods) Trucking, Long-Distance Businesses Get in SBA Loans?

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2,311 SBA loans totaling $487.1M have been approved for specialized freight (except used goods) trucking, long-distance businesses (NAICS 484230). The average approved SBA loan is $211K, which is 38% below avg the $340K national average. 418 active lenders fund this industry with a 17.9% default rate on the matured 2018-2021 loan cohort.

Above average default risk17.9% vs 15.4% all industry avg

At 17.9%, Specialized Freight (except Used Goods) Trucking, Long-Distance 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. The capital source prices this risk into rate and structure.

Quick Answer

NAICS 484230 (Specialized Freight (except Used Goods) Trucking, Long-Distance) received 2,311 SBA loans worth $487.1M across 5+ states. Average loan $211K, average term 93 months, 17.9% default rate (resolved loan basis).418 active SBA approved lenders fund this industry. Most specialized freight (except used goods) trucking, long-distance loans use the SBA 7(a) program.

2,311

Total SBA Loans

$487.1M

Total Volume

$211K

Avg Loan Size

38% below avg

418

Active Lenders

93 mo

Avg Term

28% below avg

14,620

Jobs Supported

Is SBA Lending Growing for Specialized Freight (except Used Goods) Trucking, Long-Distance?+17% growth

153

117

129

113

103

121

$27.0M

$16.7M

$24.9M

$28.3M

$37.0M

$23.8M

$23.3M

$28.3M

$11.4M

$45.5M

Which SBA Program Do Specialized Freight (except Used Goods) Trucking, Long-Distance Businesses Use Most?

SBA 7(a)2,226 (96%)

SBA 50485 (4%)

What Is the Best SBA Loan for Specialized Freight (except Used Goods) Trucking, Long-Distance?

SBA 7(a)

The most widely used SBA program for specialized freight (except used goods) trucking, long-distance businesses: flexible terms, multiple use cases

Industry avg loan: $211K

Typical term: 93 months

Historical avg rate: 7.79%

418+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 17.9%

Where Are Specialized Freight (except Used Goods) Trucking, Long-Distance SBA Loans Most Common?

219 loans

$76.3M

201 loans

$32.4M

173 loans

$38.0M

127 loans

$36.2M

124 loans

$21.0M

SBA Lending Activity in Specialized Freight (except Used Goods) Trucking, Long-Distance

418 SBA lenders have funded 2,311 loans to specialized freight (except used goods) trucking, long-distance businesses (NAICS 484230). 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.

Loans funded

2,311

Active lenders

418

Total volume

$487.1M

Avg loan size

$211K

Browse all SBA lenders

Talk to PeerSense

PeerSense sources capital for specialized freight (except used goods) trucking, long-distance businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Specialized Freight (except Used Goods) Trucking, Long-Distance business.

Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.

SBA 7(a) / 504: PeerSense will reach out. No obligation.

How big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

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Referral fee realized at closing · Or call (317) 452 6990

How Does SBA Lending Work for Specialized Freight (except Used Goods) Trucking, Long-Distance Businesses?

Across all SBA loan programs, 2,311 loans have been approved for businesses classified under NAICS 484230 (Specialized Freight (except Used Goods) Trucking, Long-Distance), representing $487.1M in total capital deployed. The average approved loan of $211K is 38% below avg the national SBA average of $340K, with typical repayment terms of 93 months.

SBA lending for specialized freight (except used goods) trucking, long-distance is accelerating. Loan volume has grown approximately 17% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2016.

The overwhelming majority of SBA lending for specialized freight (except used goods) trucking, long-distance 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.

Talk to PeerSense about a specialized freight (except used goods) trucking, long-distance file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: Specialized Freight (except Used Goods) Trucking, Long-Distance SBA Loans

What is the average SBA loan size for specialized freight (except used goods) trucking, long-distance businesses?

Based on 2,311 approved SBA loans, the average loan size for specialized freight (except used goods) trucking, long-distance (NAICS 484230) is $211K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a specialized freight (except used goods) trucking, long-distance business?

SBA 7(a) is the most commonly used SBA program for specialized freight (except used goods) trucking, long-distance businesses. The most widely used SBA program for specialized freight (except used goods) trucking, long-distance businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for specialized freight (except used goods) trucking, long-distance?

418 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a specialized freight (except used goods) trucking, long-distance file.

What states have the most SBA lending for specialized freight (except used goods) trucking, long-distance?

CA leads with 219 SBA loans and $76.3M in total volume for specialized freight (except used goods) trucking, long-distance businesses. OH, TX, FL also show strong lending activity in this sector.

How does PeerSense help specialized freight (except used goods) trucking, long-distance businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a specialized freight (except used goods) trucking, long-distance file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Transportation & Warehousing Industries

General Freight Trucking, Long Distance, Truckload

20,038 loans · N/A

Avg: $182K

General Freight Trucking, Local

19,987 loans · N/A

Avg: $191K

Specialized Freight (except Used Goods) Trucking, Local

Motor Vehicle Towing

Freight Transportation Arrangement

3,253 loans · N/A

Avg: $335K

Used Household and Office Goods Moving

2,225 loans · N/A

Avg: $370K

Data aggregated from SBA loan records (1992 to 2025). Specialized Freight (except Used Goods) Trucking, Long-Distance defined by NAICS code 484230. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.