How much do SBA lenders typically lend to a motorcycle, atv, and personal watercraft dealers business?

The median SBA approval in NAICS 441221 is $227,000, with the middle 80% of loans between $25,000 and $1,412,000. Across all industries the median is $180,000.

Which lenders are most active in motorcycle, atv, and personal watercraft dealers?

By dollars approved: Florida First Capital Finance Corporation, Inc., Banc of California, Busey Bank, Paradise Bank, UMB Bank. 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 motorcycle, atv, and personal watercraft dealers considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 6.2% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 441221 · Retail

SBA loans for motorcycle, atv, and personal watercraft dealers

210 SBA loans worth $123.0M have been approved in this industry since FY2010 - the #531 most-financed NAICS code in the country.

Median loan

$227,000

+26% vs all industries

Typical range

$25K-$1.4M

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

6.2%

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
Florida First Capital Finance Corporation, Inc.	4	$9.6M
Banc of California	3	$6.8M
Busey Bank	3	$5.3M
Paradise Bank	1	$5.0M
UMB Bank	3	$4.6M
Mortgage Capital Development Corporation	2	$4.3M
Small Business Growth Corporation	1	$4.1M
Rural Missouri, Inc.	4	$4.0M
CDC Small Business Finance Corp.	2	$3.2M
Parke Bank	1	$3.1M

Geography

Where these loans were made

State	Loans	Share
Florida	17
California	15
Ohio	11
Illinois	10
Texas	9
Missouri	8
Wisconsin	8
Michigan	8

Approvals by fiscal year

’10

’11

’12

’13

’25

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
22%
$50K - $150K
16%
$150K - $350K
19%
$350K - $1M
23%
$1M - $2M
12%
Over $2M
7%

Nearby

Other retail industries

See the sector

Gasoline Stations with Convenience Stores9,734 · $788,400 Beer, Wine, and Liquor Stores8,158 · $300,000 Supermarkets and Other Grocery Retailers7,314 · $350,000 Pharmacies and Drug Stores4,651 · $350,000 Convenience Stores4,629 · $179,100 Used Car Dealers4,422 · $227,750 Automotive Parts and Accessories Stores2,779 · $181,100 Beer, Wine, and Liquor Retailers2,760 · $500,000

Common questions

How much do SBA lenders typically lend to a motorcycle, atv, and personal watercraft dealers business?: The median SBA approval in NAICS 441221 is $227,000, with the middle 80% of loans between $25,000 and $1,412,000. Across all industries the median is $180,000.
Which lenders are most active in motorcycle, atv, and personal watercraft dealers?: By dollars approved: Florida First Capital Finance Corporation, Inc., Banc of California, Busey Bank, Paradise Bank, UMB Bank. 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 motorcycle, atv, and personal watercraft dealers considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 6.2% were charged off, versus 7.6% across all SBA lending. That is close to average.

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