Couriers and Express Delivery Services: SBA business acquisition loan data
363 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Couriers and Express Delivery Services (NAICS 492110), totaling $293M. Median loan $673,000, in line with the all-acquisition median. Annual volume rose 40% from FY2024 to FY2026.
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsFree consultation. All 50 states.
Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $1,040,000 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.7% of all SBA-financed business purchases, ranking #29 of 300 industries tracked.
- Geography. Minnesota leads with 51 loans; the top five states account for 43% of the industry's acquisitions.
- Jobs. Lenders reported 5,227 jobs supported across these loans, about 14.4 per acquisition, a rough proxy for the size of business changing hands.
Couriers and Express Delivery Services acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 30 | $15.9M | $428,500 | |
| FY2019 | 51 | $29.5M | $506,300 | |
| FY2020 | 40 | $32.7M | $644,100 | |
| FY2021 | 50 | $35.3M | $699,000 | |
| FY2022 | 32 | $25.9M | $656,350 | |
| FY2023 | 31 | $22.1M | $744,000 | |
| FY2024 | 35 | $31.6M | $880,800 | |
| FY2025 | 45 | $43.3M | $637,000 | |
| FY2026 | 49 | $56.3M | $990,000 |
How often do these acquisition loans fail?
Of the 171 Couriers and Express Delivery Services acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 8 have been charged off by the SBA, a rate of 4.7% by loan count and 3.4% by dollars. 113 have already been paid in full.
For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so Couriers and Express Delivery Services is 33% higher than the acquisition-loan average. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Minnesota | 51 | 14.0% | $38.8M | |
| 2 | California | 34 | 9.4% | $27.1M | |
| 3 | Pennsylvania | 27 | 7.4% | $24.1M | |
| 4 | Texas | 22 | 6.1% | $19.5M | |
| 5 | Florida | 21 | 5.8% | $18.5M | |
| 6 | Illinois | 17 | 4.7% | $8.8M | |
| 7 | Georgia | 14 | 3.9% | $14.5M | |
| 8 | North Carolina | 13 | 3.6% | $9.7M | |
| 9 | Washington | 12 | 3.3% | $9.9M | |
| 10 | Wisconsin | 12 | 3.3% | $9.8M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Stearns Bank National Association | 59 | 16.3% | $36.3M | |
| 2 | BankVista | 38 | 10.5% | $29.6M | |
| 3 | Falcon National Bank | 33 | 9.1% | $30.5M | |
| 4 | Byline Bank | 16 | 4.4% | $16.2M | |
| 5 | Celtic Bank Corporation | 15 | 4.1% | $13.2M | |
| 6 | GBank | 13 | 3.6% | $16.3M | |
| 7 | Centerstone SBA Lending, Inc. | 13 | 3.6% | $7.3M | |
| 8 | Live Oak Banking Company | 7 | 1.9% | $5.8M | |
| 9 | The Huntington National Bank | 7 | 1.9% | $5.1M | |
| 10 | VelocitySBA, LLC | 6 | 1.7% | $6.6M |
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsFree consultation. All 50 states.
Franchise brands in Couriers and Express Delivery Services
15% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The UPS Store | 49 | 92.5% | $20M | |
| 2 | Midas | 1 | 1.9% | $331K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Couriers and Express Delivery Services?
Median $673,000 across 363 acquisition loans (FY2018 to FY2026); the middle half ran $350,000 to $1,040,000. That is in line with the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Couriers and Express Delivery Services acquisitions?
Stearns Bank National Association (59), BankVista (38), Falcon National Bank (33), Byline Bank (16), Celtic Bank Corporation (15).
Are businesses in Couriers and Express Delivery Services often franchised?
Sometimes. 15% of SBA acquisition loans in this industry financed a franchised unit. Top brands: The UPS Store, Midas.
How risky are SBA loans for buying a business in Couriers and Express Delivery Services?
Of 171 seasoned loans (FY2018 to FY2021), 4.7% charged off, 33% higher than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Couriers and Express Delivery Services acquisitions?
Median term 10 years, average initial rate 7.89% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
Advertise on this site: lenders, brokers, valuation and insurance firms. See options