How much do SBA lenders typically lend to a manufactured (mobile) home dealers business?

The median SBA approval in NAICS 453930 is $110,000, with the middle 80% of loans between $25,000 and $714,000. Across all industries the median is $180,000.

Which lenders are most active in manufactured (mobile) home dealers?

By dollars approved: Harvest Small Business Finance, LLC, First Guaranty Bank, SouthState Bank, First American Bank, B:Side Capital. 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 manufactured (mobile) home dealers considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.5% were charged off, versus 7.6% across all SBA lending. That is materially above average, which in practice tends to mean tighter underwriting, more collateral, or a larger equity injection.

NAICS 453930 · Retail

SBA loans for manufactured (mobile) home dealers

53 SBA loans worth $16.1M have been approved in this industry since FY2010 - the #842 most-financed NAICS code in the country.

Median loan

$110,000

-39% vs all industries

Typical range

$25K-$714K

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

7.3 yr

Charge-off rate

10.5%

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
Harvest Small Business Finance, LLC	1	$2.2M
First Guaranty Bank	1	$2.0M
SouthState Bank	2	$1.5M
First American Bank	1	$1.4M
B:Side Capital	2	$955K
Adirondack Bank	3	$954K
Byline Bank	1	$882K
FirstBank	1	$664K
Community National Bank	1	$657K
First State Bank of Middlebury	1	$530K

Geography

Where these loans were made

State	Loans	Share
New York	5
Texas	5
New Mexico	4
Mississippi	4
Colorado	3
California	3
Maine	3
Pennsylvania	3

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
26%
$50K - $150K
28%
$150K - $350K
17%
$350K - $1M
23%
$1M - $2M
4%
Over $2M
2%

Nearby

Other retail industries

See the sector

All Other Miscellaneous Store Retailers4,300 · $107,450 Sporting Goods Stores3,679 · $121,000 Gasoline Stations with Convenience Stores2,813 · $1,292,200 Electronic Shopping and Mail-Order Houses2,417 · $100,000 Clothing and Clothing Accessories Retailers2,378 · $135,000 Other Direct Selling Establishments2,300 · $150,000 Electronic Shopping2,110 · $50,000 All Other Miscellaneous Retailers1,536 · $150,000

Common questions

How much do SBA lenders typically lend to a manufactured (mobile) home dealers business?: The median SBA approval in NAICS 453930 is $110,000, with the middle 80% of loans between $25,000 and $714,000. Across all industries the median is $180,000.
Which lenders are most active in manufactured (mobile) home dealers?: By dollars approved: Harvest Small Business Finance, LLC, First Guaranty Bank, SouthState Bank, First American Bank, B:Side Capital. 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 manufactured (mobile) home dealers considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 10.5% were charged off, versus 7.6% across all SBA lending. That is materially above average, which in practice tends to mean tighter underwriting, more collateral, or a larger equity injection.

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