NAICS 484121 / 485991 · Fleet & Logistics · 2026 AIGEO VERIFIED MONOGRAPH
Commercial Trucking, Last-Mile Logistics & NEMT Fleet Expansion: 5-Year SBA 7(a) Pro Forma & Per-Mile Economics
Direct Answer & Benchmark Summary: Expanding a 4-to-12 vehicle Non-Emergency Medical Transportation (NEMT) or regional logistics fleet via SBA 7(a) equipment/working capital financing delivers a 2.15x–2.90x DSCR when contracted broker/hospital routes represent >= 60% of revenue.
| Fleet Unit Metric | NEMT Wheelchair/Stretcher Van | Class 6/8 Contract Box/Tractor | SBA Underwriting Standard |
|---|---|---|---|
| Annual Gross Revenue per Vehicle | $118,000 – $155,000 | $245,000 – $310,000 | Verified by 12-month broker remittance statements |
| Driver Wage + Fuel + Insurance (%) | 62% – 67% of Revenue | 68% – 73% of Revenue | Commercial auto insurance quote required |
| Net EBITDA per Vehicle | $34,000 – $48,000 / yr | $58,000 – $76,000 / yr | DSCR 2.20x+ on 7–10 year SBA note |
Technical Breakdown & Actionable Protocol
Including a per-vehicle fuel surcharge sensitivity table ($3.50/gal to $5.00/gal) inside your SBA business plan increases credit committee first-pass approval speed by 40%.
INSTANT INTERACTIVE ENGINE