ARIZONA · NAICS NAICS 484, 4885, 4931 families
Arizona trucking and logistics projects ride the I-10 corridor that ties the Southern California port complex to the Sun Belt, with semiconductor-driven specialized logistics layering onto the Phoenix metro. Studies translate rate per mile, fuel, utilization, and contract concentration into projections, and reconcile equipment, real estate, and working capital structures against coverage under stress.
FEASIBILITY TRIGGER
Trucking and logistics deals carry projection-sensitive underwriting; rate per mile, fuel, and contract concentration must be stress-tested.
From FY2010 through FY2026, Arizona recorded 347 SBA-disbursed trucking and logistics loans across the 7(a) and 504 programs, representing $135.2 million in approved financing at an average loan size of $390,000. The state sits at rank #20 of 38 for trucking and logistics SBA lending volume and holds 1.5% of the national trucking and logistics dollar pool. 7(a) accounts for 94.2% of the count, 504 for the rest, with 58 fresh approvals dated FY2024 or later.
| Disbursed loans (FY2010–FY2026) | 347 |
| Approved volume | $135.2 million |
| Average loan size | $390,000 |
| 7(a) share | 94.2% |
| Approvals since FY2024 | 58 |
| State rank by loan count | #20 of 38 |
Among the 219 seasoned loans in this segment (approvals FY2010–FY2021), 12.8% reached adverse resolution — purchased, liquidated, or charged off. The national benchmark for trucking and logistics is 9.2%, against 7.3% across all industries. That performance runs above the national benchmark for this asset class, which is a factor lenders weigh in their credit decision.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
A 12.8% adverse-resolution rate against the national trucking and logistics benchmark of 9.2% tells credit committees to scrutinize revenue projections and coverage assumptions closely on Arizona deals in this class. A rigorous third-party feasibility study — built on documented demand, defensible pricing, and stressed coverage — carries meaningful weight in that underwriting conversation, particularly at an average loan size of $390,000 across 347 loans.
Every Arizona trucking and logistics project we underwrite follows the same lender ready process: independent market analysis, site and technical review, and financial projections tested against SBA SOP 50 10 8 standards. Our SBA feasibility study consultants guide explains scope, timing, deliverables, and what lenders and CDCs expect in the report.
Arizona projects most often pencil under SBA 504 because the 50/40/10 structure delivers up to 90 percent financing on owner-occupied real estate at a fixed debenture rate, which is decisive in a state where Sun Belt growth has pushed land and improvement costs higher each cycle. SBA 7(a) covers acquisitions, working capital, and equipment, and from July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit.
The I-10 corridor ties the Southern California port complex to the Sun Belt, and the semiconductor buildout is layering specialized logistics demand onto the Phoenix metro.
For a national view of this asset class, see our trucking and logistics SBA feasibility overview, and read our related analysis in the trucking and logistics lending research on our blog.
Compare neighboring markets: California, Texas.
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