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 28% year-over-year — from 64 to 82 approvals.
Total SBA dollars flowing into this industry increased by 120% year-over-year, reaching $44,485,800 in the trailing 12 months.
The typical loan size for local messengers and local delivery has increased 77% — average median moving from $188,383 to $332,833.
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

↑ 28%loan volume YoY

↑ 120%dollar volume YoY

Total loaned ($)

Median loan size

Top lenders by historical volume

#	Lender	Approvals	Median Size	Recent	Top States
1	TD Bank, National Association	26	$25,000	4	NJ, NY, FL
2	U.s. Bank, National Association	24	$31,000	3	CA, CO, OH
3	THE Huntington National Bank	22	$41,000	2	OH, IL, MI
4	Wells Fargo Bank, National Association	19	$15,000	1	GA, FL, MN
5	Bankvista	15	$688,000	—	MN
6	Readycap Lending, LLC	12	$992,000	1	PA, NY, GA
7	Jpmorgan Chase Bank, National Association	12	$150,000	—	NY, CA, IL
8	Northeast Bank	11	$350,000	3	CA, TX, GA
9	Byline Bank	11	$1,100,000	—	IL, MI, ID
10	Celtic Bank, CORP.	10	$742,000	1	PA, OH, KY
11	Keybank, National Association	9	$50,000	—	OR, WA, OH
12	Manufacturers AND Traders Trust Company	9	$25,000	1	NY, MD, CT
13	Bank OF America, National Association	7	$57,500	—	TX, FL, CA
14	Falcon National Bank	6	$900,000	—	TX, PA, AZ
15	Incrediblebank	5	$715,000	—	PA, IL, MA
16	Bayfirst National Bank	5	$150,000	—	CA, FL, WI
17	Lendistry Sblc, LLC	5	$300,000	—	GA, CA, NJ
18	Gbank	5	$1,258,800	2	VA, NJ, FL
19	Newtek Small Business Finance, INC.	5	$345,000	—	IL, TX, PA
20	Newtek Bank, National Association	4	$200,000	1	AZ, PA, WA

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

Month	Lender	Borrower	Location	Amount
2025-12	Newtek Bank, National Association	Iro*****LLC	EVERETT, WA	$65,000
2025-12	Manufacturers and Traders Trust Company	Her*****LLC	NIAGARA FALLS, NY	$10,000
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	22nd State Bank, A Division of 22nd State Banking Company	DM&*****nc.	HACKENSACK, NJ	$1,344,500
2025-11	TD Bank, National Association	GDC*****Inc	Westlake, FL	$28,500
2025-11	TD Bank, National Association	GDC*****Inc	LOXAHATCHEE, FL	$30,000
2025-11	22nd State Bank, A Division of 22nd State Banking Company	DM&*****nc.	HACKENSACK, NJ	$961,800
2025-11	CenTrust Bank, A Division of SmartBiz Bank National Associat	MER*****IAN	CHATSWORTH, CA	$135,000
2025-08	GBank	Bul*****ion	HIGH SPRINGS, FL	$962,900
2025-08	First Financial Bank	TET*****nc.	SAN ANTONIO, TX	$1,359,000
2025-08	Northeast Bank	SDI*****INC	Austin, TX	$350,000
2025-08	U.S. Bank, National Association	RI***INC	CENTENNIAL, CO	$20,000
2025-08	Northeast Bank	Mac*****orp	Verdugo City, CA	$350,000
2025-08	The Huntington National Bank	Pho*****LLC	SUN PRAIRIE, WI	$100,000
2025-08	Cogent Bank	Mou*****any	JEFFERSON, GA	$323,500
2025-08	The Huntington National Bank	Pho*****LLC	SUN PRAIRIE, WI	$924,000
2025-08	CenTrust Bank, A Division of SmartBiz Bank National Associat	MJJ*****LLC	TAMPA, FL	$115,000
2025-08	Peoples Bank	GLT*****INC	PLANTATION, FL	$1,909,000
2025-08	Zions Bank, A Division of	Red*****Inc	PHOENIX, AZ	$2,180,000
2025-08	Readycap Lending, LLC	DeS*****Inc	WEST CHESTER, PA	$1,615,000
2025-06	TD Bank, National Association	HER*****LLC	HIALEAH, FL	$25,000
2025-06	TD Bank, National Association	Eli*****LLC	STATEN ISLAND, NY	$25,000
2025-06	Northeast Bank	WES*****INC	Austin, TX	$350,000
2025-06	First Bank	DD *****nc.	WOODSTOCK, GA	$886,000

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 TD Bank, National Association, U.s. Bank, National Association, THE Huntington National Bank, and 17 more. TD Bank, National Association leads with 26 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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