SBA loans for all other pipeline transportation
NAICS 486990 · Program that usually fits: 504 or 7(a)
The 504 program fits long-life equipment and facilities at a fixed rate. Projects must meet SBA size standards for the industry, so larger pipeline operators may not qualify as small businesses.
What borrowers use the money for
- Pipe, pumps and compression equipment
- Yards and facilities
- Working capital for contracts
Example: a $2,000,000 loan
At today's maximum variable 7(a) rate of 10.00% over 20 years, the payment would be about $19,300 a month. Most well-qualified borrowers get a lower rate. On a 504 project, the SBA-backed 40% would be fixed at 6.97% (October 2026, 25-year). Try your own numbers.
Today's rate caps
| Loan amount | Maximum spread | Maximum variable rate today |
|---|---|---|
| $50,000 or less | Prime + 6.5 | 13.50% |
| $50,001 to $250,000 | Prime + 6.0 | 13.00% |
| $250,001 to $350,000 | Prime + 4.5 | 11.50% |
| Over $350,000 | Prime + 3.0 | 10.00% |
Questions
Can a pipeline business get an SBA loan?
Yes, if the business is for-profit, meets SBA size standards for NAICS 486990, and can show it can repay. The 504 program fits long-life equipment and facilities at a fixed rate.
What is the NAICS code for all other pipeline transportation?
NAICS 486990. Lenders use it to check SBA size standards and eligibility.
Sources: SBA 7(a) terms, conditions and maximum variable rates; Federal Reserve H.15 selected interest rates (bank prime loan rate); October 2026 SBA 504 debenture pricing, as published by CDCs; SBA FOIA 7(a) and 504 loan-level data.