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.

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
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

Approvals by fiscal year

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
8%
$50K - $150K
17%
$150K - $350K
19%
$350K - $1M
29%
$1M - $2M
16%
Over $2M
11%

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 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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