NEW YORK · NAICS NAICS 484, 4885, 4931 families
New York trucking and logistics deals run on freight flowing through the port complex, the I-87 and I-90 corridors, and metro distribution networks. Studies translate rate per mile, utilization, fuel, insurance, and contract concentration into defensible projections, and stress-test cash flow against rate cycles and equipment debt service.
FEASIBILITY TRIGGER
Projection-sensitive underwriting with rate per mile, fuel, and contract concentration stress-tested by the lender.
From FY2010 through FY2026, New York recorded 1,117 SBA-disbursed trucking and logistics loans across the 7(a) and 504 programs, representing $235.2 million in approved financing at an average loan size of $211,000. The state sits at rank #8 of 38 for trucking and logistics SBA lending volume and holds 2.6% of the national trucking and logistics dollar pool. 7(a) accounts for 95.5% of the count, 504 for the rest, with 189 fresh approvals dated FY2024 or later.
| Disbursed loans (FY2010–FY2026) | 1,117 |
| Approved volume | $235.2 million |
| Average loan size | $211,000 |
| 7(a) share | 95.5% |
| Approvals since FY2024 | 189 |
| State rank by loan count | #8 of 38 |
Among the 772 seasoned loans in this segment (approvals FY2010–FY2021), 13.2% 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 13.2% 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 New York 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 $211,000 across 1,117 loans.
Every New York 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.
New York projects often fit SBA 504 where owner-occupied real estate anchors the deal, with the 50/40/10 structure delivering up to 90 percent financing at a fixed debenture rate, while SBA 7(a) covers acquisitions, working capital, and equipment. From July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit.
The port complex, the I-87 and I-90 corridors, and metro distribution demand anchor the freight base.
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: New Mexico, North Carolina, Texas.
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