How much do SBA lenders typically lend to a motor vehicle parts (used) merchant wholesalers business?

The median SBA approval in NAICS 423140 is $211,500, with the middle 80% of loans between $25,000 and $1,500,000. Across all industries the median is $180,000.

Which lenders are most active in motor vehicle parts (used) merchant wholesalers?

By dollars approved: Enterprise Bank & Trust, Mortgage Capital Development Corporation, Wells Fargo Bank, JPMorgan Chase Bank, Harvest Small Business Finance, LLC. 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 parts (used) merchant wholesalers considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 5.7% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 423140 · Wholesale

SBA loans for motor vehicle parts (used) merchant wholesalers

258 SBA loans worth $136.8M have been approved in this industry since FY2010 - the #483 most-financed NAICS code in the country.

Median loan

$211,500

+18% vs all industries

Typical range

$25K-$1.5M

Middle 80%

Median rate

7.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

5.7%

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
Enterprise Bank & Trust	11	$15.3M
Mortgage Capital Development Corporation	6	$5.8M
Wells Fargo Bank	10	$5.5M
JPMorgan Chase Bank	6	$5.3M
Harvest Small Business Finance, LLC	4	$5.2M
Patriot Bank	1	$5.0M
CenTrust Bank, A Division of SmartBiz Bank	2	$4.0M
Byline Bank	1	$3.9M
The Huntington National Bank	8	$3.3M
Small Business Growth Corporation	1	$3.2M

Geography

Where these loans were made

State	Loans	Share
California	58
Texas	27
Minnesota	21
Massachusetts	18
Florida	11
New York	11
Missouri	9
Ohio	9

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
17%
$50K - $150K
23%
$150K - $350K
18%
$350K - $1M
26%
$1M - $2M
9%
Over $2M
6%

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 parts (used) merchant wholesalers business?: The median SBA approval in NAICS 423140 is $211,500, with the middle 80% of loans between $25,000 and $1,500,000. Across all industries the median is $180,000.
Which lenders are most active in motor vehicle parts (used) merchant wholesalers?: By dollars approved: Enterprise Bank & Trust, Mortgage Capital Development Corporation, Wells Fargo Bank, JPMorgan Chase Bank, Harvest Small Business Finance, LLC. 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 parts (used) merchant wholesalers considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 5.7% were charged off, versus 7.6% across all SBA lending. That is close to average.

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