How much do SBA lenders typically lend to a motor vehicle supplies and new parts merchant wholesalers business?

The median SBA approval in NAICS 423120 is $250,000, with the middle 80% of loans between $25,000 and $1,798,000. Across all industries the median is $180,000.

Which lenders are most active in motor vehicle supplies and new parts merchant wholesalers?

By dollars approved: Truist Bank, Wells Fargo Bank, The Huntington National Bank, Banc of California, Citibank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

Is motor vehicle supplies and new parts merchant wholesalers considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.2% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 423120 · Wholesale

SBA loans for motor vehicle supplies and new parts merchant wholesalers

1,293 SBA loans worth $772.4M have been approved in this industry since FY2010 - the #165 most-financed NAICS code in the country.

Median loan

$250,000

+39% vs all industries

Typical range

$25K-$1.8M

Middle 80%

Median rate

6.50%

7(a) initial note rate

Median term

10 yr

Charge-off rate

7.2%

vs 7.6% all industries

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Most active in this industry

Lender	Loans	Approved
Truist Bank	28	$43.2M
Wells Fargo Bank	64	$41.6M
The Huntington National Bank	55	$28.7M
Banc of California	16	$27.3M
Citibank	13	$23.4M
JPMorgan Chase Bank	79	$20.1M
U.S. Bank	62	$20.1M
California Statewide Certified Development Corporation	16	$18.7M
HSBC Bank USA	4	$18.0M
Enterprise Bank & Trust	18	$17.8M

Geography

Where these loans were made

State	Loans	Share
California	278
Florida	138
Texas	81
New York	67
Michigan	58
Ohio	56
Minnesota	42
Massachusetts	37

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
15%
$50K - $150K
21%
$150K - $350K
21%
$350K - $1M
25%
$1M - $2M
10%
Over $2M
9%

Nearby

Other wholesale industries

See the sector

Other Miscellaneous Durable Goods Merchant Wholesalers4,432 · $296,000 Other Miscellaneous Nondurable Goods Merchant Wholesalers3,598 · $270,000 Other Grocery and Related Products Merchant Wholesalers2,289 · $150,000 Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesalers1,953 · $150,000 Industrial Machinery and Equipment Merchant Wholesalers1,918 · $300,000 Sporting and Recreational Goods and Supplies Merchant Wholesalers1,706 · $191,750 Wholesale Trade Agents and Brokers1,547 · $180,000 Recyclable Material Merchant Wholesalers1,450 · $350,000

Common questions

How much do SBA lenders typically lend to a motor vehicle supplies and new parts merchant wholesalers business?: The median SBA approval in NAICS 423120 is $250,000, with the middle 80% of loans between $25,000 and $1,798,000. Across all industries the median is $180,000.
Which lenders are most active in motor vehicle supplies and new parts merchant wholesalers?: By dollars approved: Truist Bank, Wells Fargo Bank, The Huntington National Bank, Banc of California, Citibank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
Is motor vehicle supplies and new parts merchant wholesalers considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.2% were charged off, versus 7.6% across all SBA lending. That is close to average.

We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.