SBA expansion loans, no down payment, what is geographic region?

April 03, 2025
by a searcher from University of Pennsylvania - The Wharton School in Los Angeles, CA, USA
I saw that the SBA allows expansion loans with no additional down payment if it has the same NAICS code. If the company sells nationwide, what is considered the geographic region? City, State, entire US?
from University of Southern California in Los Angeles, CA, USA
Same NAICS Code: Both businesses operate under the identical 6-digit North American Industry Classification System (NAICS) code. 
Identical Ownership: The ownership structure of both entities is the same. 
Same Geographic Area: The businesses are located within the same geographic region.
Different lender interpret “geographic area” differently. For physical businesses, most lenders use a 200 mile rule (home services, residential moving etc). For services (accounting, consulting) or e-commerce businesses a national geographical area is fair.
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from Eastern Illinois University in 900 E Diehl Rd, Naperville, IL 60563, USA
I would be happy to get on a call and help you interpret what you are looking at. You can reach me here or directly at redacted