How much do SBA lenders typically lend to a all other motor vehicle dealers business?

The median SBA approval in NAICS 441229 is $348,000, with the middle 80% of loans between $25,000 and $1,624,000. Across all industries the median is $180,000.

Which lenders are most active in all other motor vehicle dealers?

By dollars approved: Happen Bank, Arizona Capital Source, Texas National Bank of Jacksonville, Platte Valley Bank, Bank of Rantoul. 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 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, 7.0% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 441229 · Retail

SBA loans for all other motor vehicle dealers

181 SBA loans worth $122.7M have been approved in this industry since FY2010 - the #565 most-financed NAICS code in the country.

Median loan

$348,000

+93% vs all industries

Typical range

$25K-$1.6M

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

10.1 yr

Charge-off rate

7.0%

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
Happen Bank	2	$7.6M
Arizona Capital Source	4	$6.4M
Texas National Bank of Jacksonville	1	$5.0M
Platte Valley Bank	1	$5.0M
Bank of Rantoul	2	$4.2M
Foresight Bank	3	$4.0M
Readycap Lending, LLC	1	$3.5M
Bank of Hope	1	$3.2M
Wells Fargo Bank	6	$3.1M
The Huntington National Bank	3	$3.0M

Geography

Where these loans were made

State	Loans	Share
Texas	22
Illinois	13
California	11
Florida	10
Utah	8
Ohio	8
Michigan	7
Minnesota	7

Approvals by fiscal year

’10

’11

’12

’13

’14

’22

’23

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
19%
$50K - $150K
14%
$150K - $350K
18%
$350K - $1M
28%
$1M - $2M
13%
Over $2M
9%

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 all other motor vehicle dealers business?: The median SBA approval in NAICS 441229 is $348,000, with the middle 80% of loans between $25,000 and $1,624,000. Across all industries the median is $180,000.
Which lenders are most active in all other motor vehicle dealers?: By dollars approved: Happen Bank, Arizona Capital Source, Texas National Bank of Jacksonville, Platte Valley Bank, Bank of Rantoul. 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 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, 7.0% were charged off, versus 7.6% across all SBA lending. That is close to average.

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