OHIO · NAICS NAICS 484, 4885, 4931 families
Ohio trucking and logistics projects make this the state's number one SBA category, anchored by the I-70 and I-75 crossroads and the Rickenbacker logistics hub. Studies translate equipment counts, rate per mile, fuel costs, contract concentration, and driver pay into projections that lenders can stress-test against rate cycles and refinance.
FEASIBILITY TRIGGER
Projection-sensitive underwriting; lenders stress-test rate per mile, fuel, and contract concentration.
SBA 7(a) and 504 lenders funded 5,107 trucking and logistics projects across Ohio between FY2010 and FY2026, moving $575.2 million in approved capital at an average ticket of $113,000. That volume places Ohio at #1 of 38 states measured for trucking and logistics SBA activity, or 6.4% of national trucking and logistics dollars. The 7(a) program carried 99.2% of the loan count, with 504 taking the balance, and 588 approvals have hit the pipeline since FY2024.
| Disbursed loans (FY2010–FY2026) | 5,107 |
| Approved volume | $575.2 million |
| Average loan size | $113,000 |
| 7(a) share | 99.2% |
| Approvals since FY2024 | 588 |
| State rank by loan count | #1 of 38 |
Among the 3,747 seasoned loans in this segment (approvals FY2010–FY2021), 5.1% 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 below the national benchmark for this asset class, a credit-positive signal for lenders.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
A 5.1% adverse-resolution rate below the national trucking and logistics benchmark of 9.2% supports the credit story for well-underwritten Ohio projects in this class. Across 5,107 SBA loans averaging $113,000, that track record does not eliminate the need for a third-party feasibility study, but it means a rigorous study reinforces rather than defends the projections.
Every Ohio 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.
Long-distance truckload trucking is Ohio's number one SBA category with 199 trailing-year loans averaging $129,954, plus 107 local freight and 52 specialized freight loans, making this the class Ohio lenders see most. 504 fits owner-occupied terminals and shop real estate, 7(a) fits equipment and working capital, and from July 4, 2026 eligible borrowers can combine programs for up to $10 million.
The I-70 and I-75 crossroads and the Rickenbacker logistics hub make Ohio a national freight hinge.
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: North Carolina, Oregon, Texas.
Public SBA and CDC program records, cited as program evidence
SBA 504 through Capital CDC
Land purchase and 19,200 square foot facility with 50 jobs relocated, national program evidence
Hutto, Williamson County, Texas
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