Harley Davidson Motor Cycle vs Kawasaki Dealer Term Sales A
Harley Davidson Motor Cycle vs Kawasaki Dealer Term Sales A: Harley Davidson Motor Cycle costs $471K to $3.8M to open; Kawasaki Dealer Term Sales A costs $464K to $1.5M. Harley Davidson Motor Cycle has 40 units, Kawasaki Dealer Term Sales A has 16. SBA loan history: Harley Davidson Motor Cycle = 46 loans (2.2% default); Kawasaki Dealer Term Sales A = 17 loans (0.0% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
Harley Davidson Motor Cycle vs Kawasaki Dealer Term Sales A: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Kawasaki Dealer Term Sales A requires the lower minimum capital commitment ($464K vs $471K for Harley Davidson Motor Cycle), a 1% spread.
System Scale & Tenure
On scale, Harley Davidson Motor Cycle operates 40 units to Kawasaki Dealer Term Sales A's 16, roughly 3× the system size. Kawasaki Dealer Term Sales A has been operating 148 years (founded 1878) versus 123 for Harley Davidson Motor Cycle (founded 1903), a 25-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Harley Davidson Motor Cycle has the deeper SBA lending track record, with 46 7(a) approvals compared with 17 for Kawasaki Dealer Term Sales A. Harley Davidson Motor Cycle's peak SBA year was 2021 (18 loans); Kawasaki Dealer Term Sales A's peak was 2021 (8 loans). Kawasaki Dealer Term Sales A's more recent peak generally indicates fresher lender appetite. Harley Davidson Motor Cycle has the most SBA funded units in WI, with 7. Kawasaki Dealer Term Sales A leads in CA, with 3. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Harley Davidson Motor Cycle deals is $2.2M vs $982K for Kawasaki Dealer Term Sales A, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 2.2% for Harley Davidson Motor Cycle and 0.0% for Kawasaki Dealer Term Sales A, Kawasaki Dealer Term Sales A has the cleaner SBA loss record by 2.2 points. PeerSense FPI scores come in at 51 (Moderate) for Harley Davidson Motor Cycle and 51 (Moderate) for Kawasaki Dealer Term Sales A.
Health & Performance
FPI Score | 51/100 | 51/100 |
Health Tier | Moderate | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 46 | 17 |
SBA Volume | – | – |
Default Rate | 2.2% | 0.0% |
Peer Tier | established | growing |
Investment & Costs
Total Investment | $471K to $3.8M | $464K to $1.5M |
Franchise Fee | N/A | N/A |
Royalty Rate | N/A | N/A |
Ad Fund | N/A | N/A |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 40 | 16 |
Franchised Units | 40 | 16 |
Company Owned | – | – |
Term Length | N/A | 5 yrs |
Brand Information
Year Founded | 1903 | 1878 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | Greenfield, WI | REDDING, CA |
Category | Recreational Vehicle Dealers | Recreational Vehicle Dealers |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Harley Davidson Motor Cycle or Kawasaki Dealer Term Sales A?
Lower upfront capital required
Tie
Harley Davidson Motor Cycle: $471K starting · Kawasaki Dealer Term Sales A: $464K starting
More SBA lender confidence
Harley Davidson Motor Cycle
Harley Davidson Motor Cycle: 46 SBA loans · Kawasaki Dealer Term Sales A: 17 SBA loans
Lower SBA default rate
Kawasaki Dealer Term Sales A
Harley Davidson Motor Cycle: 2.2% · Kawasaki Dealer Term Sales A: 0.0%
Larger system & brand presence
Tie
Harley Davidson Motor Cycle: 40 units · Kawasaki Dealer Term Sales A: 16 units
More lender financing options
Harley Davidson Motor Cycle
Harley Davidson Motor Cycle: 38 unique lenders · Kawasaki Dealer Term Sales A: 16 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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Harley Davidson Motor Cycle vs Kawasaki Dealer Term Sales A: Franchise Funding Comparison
Comparing Harley Davidson Motor Cycle and Kawasaki Dealer Term Sales A is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $464K to $3.8M.
Harley Davidson Motor Cycle has 46 SBA loans on record and Kawasaki Dealer Term Sales A has 17. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
Harley Davidson Motor Cycle vs Kawasaki Dealer Term Sales A, Frequently Asked Questions
Which is a better franchise investment, Harley Davidson Motor Cycle or Kawasaki Dealer Term Sales A?
How much does a Harley Davidson Motor Cycle franchise cost compared to Kawasaki Dealer Term Sales A?
Can I finance Harley Davidson Motor Cycle or Kawasaki Dealer Term Sales A with an SBA loan?
Which has a lower SBA default rate, Harley Davidson Motor Cycle or Kawasaki Dealer Term Sales A?
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman