Industry · lender intelligence

Financing a special needs transportation acquisition

State:

The SBA 7(a) lenders funding the most special needs transportation acquisitions, ranked from public loan records — typical deal about $352K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance special needs transportation

$788K

Typical loan

range $459K–$1.18M

$875K

Est. purchase price

≈ loan ÷ 90%

$119,985

Cash to close

$87,500 down + fees

$10,190/mo

Typical payment

~9.5% · 10yr

$140,622/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

20 days

Typical time to fund

Lenders competing

more = leverage

8.26%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active in special needs transportation

Ranked by funded special needs transportation acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.139 loans · $102M · Los Angeles, CAFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.4 loans · $4M · Hauppauge, NYFull record →
4.97 loans · $96M · Raleigh, NCFull record →
5.13 loans · $18M · Roseburg, ORFull record →
6.868 loans · $362M · Salt Lake City, UTFull record →
7.62 loans · $34M · Winter Haven, FLFull record →
8.12 loans · $12M · Pryor, OKFull record →
9.16 loans · $18M · Chicago, ILFull record →
10.36 loans · $51M · Carmel, INFull record →
11.1,296 loans · $1.4B · Wilmington, NCFull record →
12.53 loans · $101M · Dallas, TXFull record →
13.128 loans · $40M · Wilmington, DEFull record →
14.19 loans · $18M · Uniondale, NYFull record →
15.57 loans · $74M · Winston-Salem, NCFull record →
16.15 loans · $15M · Houston, MOFull record →
17.6 loans · $1M · Raleigh, NCFull record →
18.12 loans · $8M · Wheeling, WVFull record →
19.65 loans · $78M · Springfield, MOFull record →
20.24 loans · $22M · College Station, TXFull record →
21.129 loans · $234M · New York, NYFull record →
22.1 loans · $5M · Cambridge, MAFull record →

26+ funded special needs transportation deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

Bay State Transportation Co. in Lynn, MA — $4.5M (2026) · purchase · East Cambridge Savings Bank
Program
7a General
Rate at approval
7.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$3.4M (75%)
Approved
11/19/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
88
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$5.0M
Est. down payment (10%)
$500K
Est. cash at closing
$692K
Monthly payment
$54,005
Annual debt service
$648K
Cash flow needed (1.25×)
$810K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by East Cambridge Savings Bank · Lender record →
Your business? Claim this record · Request removal
SCHUMACHER AND DALTON ENTERPRISES INC. in Effingham, IL — $1.9M (2025) · purchase · Port 51 Lending LLC
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.4M (75%)
Approval → funding
55 days
Approved
2/26/2025
First disbursed
4/22/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$2.1M
Est. down payment (10%)
$212K
Est. cash at closing
$291K
Monthly payment
$25,719
Annual debt service
$309K
Cash flow needed (1.25×)
$386K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Port 51 Lending LLC · Lender record →
Your business? Claim this record · Request removal
CARE 4 TRANSPORTATION, LLC in Charleston, SC — $1.3M (2025) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.15% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$952K (75%)
Approval → funding
100 days
Approved
9/29/2025
First disbursed
1/7/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$141K
Est. cash at closing
$193K
Monthly payment
$15,498
Annual debt service
$186K
Cash flow needed (1.25×)
$232K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Evermore Rides LLC in Leominster, MA — $1.1M (2025) · purchase · Truliant FCU
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$817K (75%)
Approval → funding
14 days
Approved
7/17/2025
First disbursed
7/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$121K
Est. cash at closing
$166K
Monthly payment
$14,693
Annual debt service
$176K
Cash flow needed (1.25×)
$220K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Truliant FCU · Lender record →
Your business? Claim this record · Request removal
Accelerated Growth Management LLC in Kansas City, KS — $918K (2025) · purchase · OakStar Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$689K (75%)
Approval → funding
10 days
Approved
3/25/2025
First disbursed
4/4/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$1.0M
Est. down payment (10%)
$102K
Est. cash at closing
$140K
Monthly payment
$12,131
Annual debt service
$146K
Cash flow needed (1.25×)
$182K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by OakStar Bank · Lender record →
Your business? Claim this record · Request removal
JBI Transport LLC in Saint Louis, MO — $510K (2025) · purchase · The Bank of Houston
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$383K (75%)
Approval → funding
49 days
Approved
9/12/2025
First disbursed
10/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$567K
Est. down payment (10%)
$57K
Est. cash at closing
$76K
Monthly payment
$6,669
Annual debt service
$80K
Cash flow needed (1.25×)
$100K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Bank of Houston · Lender record →
Your business? Claim this record · Request removal
Northwest Medical Transportation Inc. in Chicago, IL — $459K (2025) · purchase · American Momentum Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$344K (75%)
Approval → funding
17 days
Approved
12/10/2024
First disbursed
12/27/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$510K
Est. down payment (10%)
$51K
Est. cash at closing
$68K
Monthly payment
$6,194
Annual debt service
$74K
Cash flow needed (1.25×)
$93K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by American Momentum Bank · Lender record →
Your business? Claim this record · Request removal
Graceful Living, L.L.C. in Copley, OH — $458K (2025) · purchase · WesBanco Bank, Inc.
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$344K (75%)
Approval → funding
60 days
Approved
3/13/2025
First disbursed
5/12/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
13
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$509K
Est. down payment (10%)
$51K
Est. cash at closing
$68K
Monthly payment
$5,557
Annual debt service
$67K
Cash flow needed (1.25×)
$83K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by WesBanco Bank, Inc. · Lender record →
Your business? Claim this record · Request removal
Sperry Transport, LLC in Charlotte, NC — $182K (2025) · purchase · Carolina Small Business Development Fund
Program
7a General
Rate at approval
9% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$137K (75%)
Approved
9/29/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$202K
Est. down payment (10%)
$20K
Est. cash at closing
$27K
Monthly payment
$2,305
Annual debt service
$28K
Cash flow needed (1.25×)
$35K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Carolina Small Business Development Fund · Lender record →
Your business? Claim this record · Request removal
CARE 4 TRANSPORTATION, LLC in Charleston, SC — $100K (2025) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
148 days
Approved
9/29/2025
First disbursed
2/24/2026
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,335
Annual debt service
$16K
Cash flow needed (1.25×)
$20K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
JW Chicago LLC in Wauconda, IL — $2.9M (2024) · purchase · Merchants Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.2M (75%)
Approval → funding
9 days
Approved
6/17/2024
First disbursed
6/26/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
54
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$3.2M
Est. down payment (10%)
$320K
Est. cash at closing
$441K
Monthly payment
$39,244
Annual debt service
$471K
Cash flow needed (1.25×)
$589K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Merchants Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
ES Wheelchair and Stretcher Transport Inc in Sarasota, FL — $1.2M (2024) · purchase · T Bank, National Association
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$882K (75%)
Approval → funding
126 days
Approved
4/10/2024
First disbursed
8/14/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$131K
Est. cash at closing
$179K
Monthly payment
$16,028
Annual debt service
$192K
Cash flow needed (1.25×)
$240K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by T Bank, National Association · Lender record →
Your business? Claim this record · Request removal
NORTHWEST MEDICAL TRANSPORT, LLC in Hayden, ID — $495K (2024) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
10.6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$371K (75%)
Approval → funding
13 days
Approved
1/27/2024
First disbursed
2/9/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$550K
Est. down payment (10%)
$55K
Est. cash at closing
$74K
Monthly payment
$6,707
Annual debt service
$80K
Cash flow needed (1.25×)
$101K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Fallon Transport, LLC in Fort Myers, FL — $400K (2024) · purchase · PNC Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8.57% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$300K (75%)
Approval → funding
14 days
Approved
10/19/2023
First disbursed
11/2/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$444K
Est. down payment (10%)
$44K
Est. cash at closing
$59K
Monthly payment
$4,974
Annual debt service
$60K
Cash flow needed (1.25×)
$75K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by PNC Bank, National Association · Lender record →
Your business? Claim this record · Request removal
M&N Bus Transportation LLC in Fords, NJ — $175K (2024) · purchase · Flushing Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$88K (50%)
Approval → funding
20 days
Approved
10/26/2023
First disbursed
11/15/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Partnership
Jobs supported
12
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$194K
Est. down payment (10%)
$19K
Est. cash at closing
$26K
Monthly payment
$2,170
Annual debt service
$26K
Cash flow needed (1.25×)
$33K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Flushing Bank · Lender record →
Your business? Claim this record · Request removal
REDI Transports, LLC in Green Bay, WI — $788K (2023) · purchase · The Peshtigo National Bank
Program
7a General
Rate at approval
6.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$591K (75%)
Approval → funding
20 days
Approved
12/21/2022
First disbursed
1/10/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
38
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$875K
Est. down payment (10%)
$88K
Est. cash at closing
$120K
Monthly payment
$8,942
Annual debt service
$107K
Cash flow needed (1.25×)
$134K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Peshtigo National Bank
Your business? Claim this record · Request removal
Golden State Van Rides LLC in Los Angeles, CA — $1.0M (2022) · purchase · BMO Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$786K (75%)
Approval → funding
24 days
Approved
7/11/2022
First disbursed
8/4/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
24
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$116K
Est. cash at closing
$160K
Monthly payment
$12,304
Annual debt service
$148K
Cash flow needed (1.25×)
$185K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal
P&G Medical Transport, LLC in Tulsa, OK — $952K (2021) · purchase · First Pryority Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$476K (50%)
Approval → funding
0 days
Approved
12/10/2020
First disbursed
12/10/2020
Loan status
Paid in full (6/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$106K
Est. cash at closing
$145K
Monthly payment
$10,332
Annual debt service
$124K
Cash flow needed (1.25×)
$155K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by First Pryority Bank · Lender record →
Your business? Claim this record · Request removal
Martur Business and Services in Winnetka, CA — $521K (2021) · purchase · Hanmi Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
110 months
SBA guaranteed
$391K (75%)
Approval → funding
25 days
Approved
11/5/2020
First disbursed
11/30/2020
Loan status
Failed — $477K charged off (12/6/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$579K
Est. down payment (10%)
$58K
Est. cash at closing
$77K
Monthly payment
$6,169
Annual debt service
$74K
Cash flow needed (1.25×)
$93K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Hanmi Bank · Lender record →
Your business? Claim this record · Request removal
Leeway Transportation Inc in Islandia, NY — $4.2M (2020) · purchase · Patriot Bank, National Association
Program
7a General
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.1M (75%)
Approved
10/17/2019
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Change of Ownership
Industry
Special Needs Transportation
If you were the buyer here
Est. deal size
$4.6M
Est. down payment (10%)
$465K
Est. cash at closing
$643K
Monthly payment
$50,767
Annual debt service
$609K
Cash flow needed (1.25×)
$762K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Patriot Bank, National Association
Your business? Claim this record · Request removal

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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to special needs transportation businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a special needs transportation acquisition with an SBA 7(a) loan: the lenders that fund the most of them (from public records), typical cost, and what it takes to qualify. Hanmi Bank funds the most. CapBench is not a lender.

$352K typical loan
24 lenders fund the industry
20 days typical to fund

Buyers researching a special needs transportation deal typically pre-qualify, then ask CapBench to introduce a lender that funds the industry — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/industry/special-needs-transportation
API:: https://www.capbench.com/api/public/lenders?industry=special-needs-transportation
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.