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NAICS 441228 · Retail
SBA loans for motorcycle, atv, and all other motor vehicle dealers
740 SBA loans worth $585.0M have been approved in this industry since FY2010 - the #258 most-financed NAICS code in the country.
Median loan
$436,000
+142% vs all industries
Typical range
$50K-$2.1M
Middle 80%
Median rate
5.95%
7(a) initial note rate
Median term
14.6 yr
Charge-off rate
9.0%
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 | Share |
|---|---|---|---|
| Wells Fargo Bank | 46 | $36.1M | |
| Byline Bank | 8 | $15.4M | |
| Mortgage Capital Development Corporation | 7 | $13.5M | |
| Live Oak Banking Company | 6 | $12.1M | |
| Banc of California | 7 | $11.2M | |
| Northwest Business Development Association | 13 | $10.7M | |
| BMO Bank | 13 | $10.3M | |
| Valley National Bank | 4 | $9.9M | |
| Busey Bank | 2 | $9.2M | |
| WBD, Inc. | 8 | $9.1M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| California | 90 | |
| Florida | 59 | |
| Texas | 42 | |
| Minnesota | 31 | |
| Ohio | 30 | |
| Colorado | 29 | |
| Oregon | 29 | |
| Washington | 27 |
An SBA 7(a) lender for loans this size
44% of the SBA loans approved in motorcycle, atv, and all other motor vehicle dealers since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Approvals by fiscal year
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K8%
- $50K - $150K17%
- $150K - $350K19%
- $350K - $1M29%
- $1M - $2M16%
- Over $2M11%
Franchise brands in Motorcycle, ATV, and All Other Motor Vehicle Dealers
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Harley Davidson | 56 | $111.4M | |
| Polaris | 22 | $20.9M | |
| Kawasaki | 19 | $15.6M | |
| Honda Powersports Sales and Service Agreements | 11 | $14.4M | |
| Yamaha | 9 | $7.6M | |
| BRP US Inc. | 7 | $5.6M | |
| Honda | 5 | $3.3M | |
| Yamaha Sales Center | 4 | $2.0M | |
| Subway | 1 | $527K | |
| Detail Garage | 1 | $25K |
Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.
Nearby
Other retail industries
Common questions
- How much do SBA lenders typically lend to a motorcycle, atv, and all other motor vehicle dealers business?
- The median SBA approval in NAICS 441228 is $436,000, with the middle 80% of loans between $50,000 and $2,074,000. Across all industries the median is $180,000.
- Which lenders are most active in motorcycle, atv, and all other motor vehicle dealers?
- By dollars approved: Wells Fargo Bank, Byline Bank, Mortgage Capital Development Corporation, Live Oak Banking Company, Banc of California. 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 all other motor vehicle dealers considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 9.0% were charged off, versus 7.6% across all SBA lending. That is close to average.
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