SBA Loans for Local Messengers and Local Delivery: Top Lenders & Recent Approvals

NAICS 492

NAICS 492 covers local messengers and local delivery businesses. Based on historical SBA 7(a) lending data.

Total Approvals

324

for Local Messengers and Local Delivery

Median Loan Size

$190,300

per approval

Recent Activity

last 90 days through Dec 2025

NAICS 492 covers local messengers and local delivery businesses. This is a moderately active sector for SBA 7(a) lending with 324 approvals and a median loan size of $190,300.

Key trends & insights

SBA lending to local messengers and local delivery businesses grew 50% year-over-year — from 172 to 258 approvals.
Total SBA dollars flowing into this industry increased by 52% year-over-year, reaching $114,753,100 in the trailing 12 months.
Loan sizes vary dramatically by location — the median in Wisconsin ($837,000) is 29.6x higher than Washington ($28,300).
Local Messengers and Local Delivery loans skew smaller than the SBA average at $190,300 median (vs. ~$450,000 overall) — good news if you need a smaller amount and want to avoid lenders with high minimums.

Lending trends for Local Messengers and Local Delivery

↑ 50%loan volume YoY

↑ 52%dollar volume YoY

Total loaned ($)

Median loan size

Top lenders by historical volume

#	Lender	Approvals	Median Size	Recent	Top States
1	U.s. Bank, National Association	75	$31,000	8	CA, CO, WA
2	TD Bank, National Association	59	$27,500	8	NY, NJ, FL
3	Wells Fargo Bank, National Association	59	$15,000	3	FL, GA, CA
4	THE Huntington National Bank	59	$50,000	7	OH, IL, MI
5	Readycap Lending, LLC	38	$790,000	2	NY, WI, FL
6	Northeast Bank	36	$116,300	9	CA, FL, TX
7	Bankvista	32	$645,600	—	MN, ND
8	Falcon National Bank	32	$573,500	11	PA, TX, MN
9	Celtic Bank, CORP.	31	$689,000	4	TX, PA, WA
10	Jpmorgan Chase Bank, National Association	31	$160,000	1	NY, CA, IL
11	Byline Bank	29	$1,051,000	—	IL, FL, TX
12	Gbank	21	$962,900	8	FL, VA, MI
13	Keybank, National Association	19	$50,000	—	OH, OR, WA
14	Manufacturers AND Traders Trust Company	19	$25,000	3	MD, NY, NJ
15	Bank OF America, National Association	15	$250,000	—	TX, FL, CA
16	Bayfirst National Bank	14	$225,000	—	CA, FL, NY
17	Lendistry Sblc, LLC	13	$300,000	—	GA, CA, AZ
18	Stearns Bank, National Association	13	$350,000	—	ND, AL, TX
19	Newtek Small Business Finance, INC.	12	$405,000	—	IL, CA, IN
20	Newtek Bank, National Association	11	$200,000	1	FL, NJ, AZ

Recent SBA 7(a) approvals for Local Messengers and Local Delivery

Month	Lender	Borrower	Location	Amount
2025-12	Peach State Federal Credit Union	A t*****Inc	Marietta, GA	$1,235,000
2025-12	First Bank of the Lake	PNW*****NC.	REDMOND, WA	$150,000
2025-12	U.S. Bank, National Association	EXP*****INC	ELK GROVE VILLAGE, IL	$20,000
2025-12	First Horizon Bank	Bus*****LLC	CENTER POINT, AL	$25,000
2025-12	Manufacturers and Traders Trust Company	Her*****LLC	NIAGARA FALLS, NY	$10,000
2025-12	Newtek Bank, National Association	Iro*****LLC	EVERETT, WA	$65,000
2025-12	The Huntington National Bank	BET*****LC)	CHARLESTON, WV	$32,000
2025-12	TD Bank, National Association	El *****nc.	BOYNTON BEACH, FL	$250,000
2025-12	U.S. Bank, National Association	MOU*****LLC	MARTINEZ, CA	$50,000
2025-11	Cross River Bank	Uni****LLC	GREENVILLE, SC	$575,000
2025-11	JPMorgan Chase Bank, National Association	Kar*****LLC	ORLANDO, FL	$380,000
2025-11	GBank	PAC*****NC.	DURHAM, CA	$1,106,000
2025-11	Northeast Bank	GIN*****INC	Lutz, FL	$102,100
2025-11	Flushing Bank	APE*****INC	NORTHPORT, NY	$500,000
2025-11	Accion Opportunity Fund Community Development	RAS*****ces	Parachute, CO	$300,000
2025-11	iTHINK Financial CU	Atl*****Inc	Atlanta, GA	$819,000
2025-11	The Huntington National Bank	LEV*****LLC	TOLEDO, OH	$200,000
2025-11	Falcon National Bank	Gol*****nc.	AUGUSTA, GA	$2,104,000
2025-11	Falcon National Bank	Gol*****nc.	AUGUSTA, GA	$200,000
2025-11	Northeast Bank	Bla*****LLC	New Bern, NC	$350,000
2025-11	Celtic Bank Corporation	Fed*****lin	DUBLIN, CA	$150,000
2025-11	Wells Fargo Bank National Association	KIT*****INC	CANTON, GA	$15,000
2025-11	Celtic Bank Corporation	PAV*****LLC	EDISON, NJ	$85,000
2025-11	U.S. Bank, National Association	GAT*****LLC	NORTH OLMSTED, OH	$25,000
2025-11	TD Bank, National Association	GDC*****Inc	Westlake, FL	$28,500

Source: Historical SBA 7(a) lending records. Borrower names partially masked for privacy.

Activity by state

CA33 FL28 NY26 MN19 IL19 OH18 TX18 PA17 GA16 NJ15 MI11 CO9 WI9 AZ8 MD8 WA8 VA7 OR5 MA5 IN4 SC4 UT4 NV4 MO3 TN3 IA3 CT3 RI2 NC2 NM2 KY2 ID2 MS2 NE1 SD1 ME1 MT1 ND1

Less active

More active

State-by-state breakdown

#	State	Approvals	Median Size	#1 Lender	Last 90 Days
1	California	33	$167,000	U.s. Bank, National Association7 approvals	2
2	Florida	28	$157,500	TD Bank, National Association6 approvals	6
3	New York	26	$89,000	TD Bank, National Association9 approvals	2
4	Minnesota	19	$618,600	Bankvista15 approvals	—
5	Illinois	19	$83,000	THE Huntington National Bank6 approvals	—
6	Ohio	18	$50,000	THE Huntington National Bank8 approvals	2
7	Texas	18	$272,500	Falcon National Bank4 approvals	3
8	Pennsylvania	17	$297,000	Readycap Lending, LLC2 approvals	2
9	Georgia	16	$285,750	Wells Fargo Bank, National Association4 approvals	3
10	New Jersey	15	$70,000	TD Bank, National Association8 approvals	3
11	Michigan	11	$100,000	THE Huntington National Bank5 approvals	1
12	Colorado	9	$31,000	U.s. Bank, National Association6 approvals	1
13	Wisconsin	9	$837,000	Live OAK Banking Company2 approvals	4
14	Arizona	8	$347,500	Falcon National Bank1 approvals	1
15	Maryland	8	$200,000	Manufacturers AND Traders Trust Company3 approvals	—
16	Washington	8	$28,300	U.s. Bank, National Association2 approvals	1
17	Virginia	7	$342,000	Quaint OAK Bank2 approvals	—
18	Oregon	5	$200,000	Keybank, National Association4 approvals	—
19	Massachusetts	5	$350,000	Rockland Trust Company1 approvals	1
20	Indiana	4	$390,400	Busey Bank2 approvals	—
21	South Carolina	4	$547,600	Southstate Bank, National Association1 approvals	—
22	Utah	4	$231,250	Zions Bank, A Division OF2 approvals	—
23	Nevada	4	$746,000	Readycap Lending, LLC1 approvals	—
24	Missouri	3	$1,000,000	Community First Bank OF THE Heartland1 approvals	—
25	Tennessee	3	$150,000	United Midwest Savings Bank, National Association1 approvals	—

SBA loans for Local Messengers and Local Delivery by state

Similar industries

General Warehousing and Storage

NAICS 493 · 77 approvals

Postal Service

NAICS 491 · 13 approvals

Frequently asked questions about SBA loans for Local Messengers and Local Delivery

Who are the top SBA lenders for Local Messengers and Local Delivery?▾

Based on historical SBA 7(a) data, the most active lenders for Local Messengers and Local Delivery (NAICS 492) include U.s. Bank, National Association, TD Bank, National Association, Wells Fargo Bank, National Association, and 17 more. U.s. Bank, National Association leads with 75 approved loans.

What is the typical SBA loan size for Local Messengers and Local Delivery?▾

The median SBA 7(a) loan amount for Local Messengers and Local Delivery businesses is $190,300, based on 324 total approved loans in the dataset.

Which states have the most SBA lending activity for Local Messengers and Local Delivery?▾

California leads with 33 SBA 7(a) approvals for Local Messengers and Local Delivery, followed by Florida (28) and New York (26).

How do I find the best SBA lender for my local messengers and local delivery business?▾

Start by reviewing the lender rankings on this page, which are based on real SBA approval data for NAICS 492. You can also use the MyLenderPilot Lender Fit Quiz to get a personalized ranking based on your state, loan size, and years in business.

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