How Much Can Motorcycle, ATV, and All Other Motor Vehicle Dealers Businesses Get in SBA Loans?
741 SBA loans totaling $586.5M have been approved for motorcycle, atv, and all other motor vehicle dealers businesses (NAICS 441228). The average approved SBA loan is $792K, which is 132% above avg the $340K national average. 292 active lenders fund this industry with a 9.0% default rate on the matured 2018-2021 loan cohort.
At 9.0%, Motorcycle, ATV, and All Other Motor Vehicle Dealers sits well below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — low default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 441228 (Motorcycle, ATV, and All Other Motor Vehicle Dealers) received 741 SBA loans worth $586.5M across 5+ states. Average loan $792K, average term 182 months, 9.0% default rate (resolved-loan basis).292 active SBA-approved lenders fund this industry. Most motorcycle, atv, and all other motor vehicle dealers loans use the SBA 504 program. There are approximately 6,751 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Motorcycle, ATV, and All Other Motor Vehicle Dealers?-97% decline
Which SBA Program Do Motorcycle, ATV, and All Other Motor Vehicle Dealers Businesses Use Most?
What Is the Best SBA Loan for Motorcycle, ATV, and All Other Motor Vehicle Dealers?
29% of motorcycle, atv, and all other motor vehicle dealers loans use this program — ideal for real estate and major equipment purchases
Where Are Motorcycle, ATV, and All Other Motor Vehicle Dealers SBA Loans Most Common?
Top SBA Lenders for Motorcycle, ATV, and All Other Motor Vehicle Dealers
These banks have funded the most SBA loans for motorcycle, atv, and all other motor vehicle dealers businesses (NAICS 441228). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 47 | $39.0M |
| 2 | The Huntington National Bank(OH) | 18 | $8.6M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 15 | $3.5M |
| 4 | BayFirst National Bank(FL) | 13 | $6.5M |
| 5 | PNC Bank, National Association(DE) | 13 | $6.8M |
Motorcycle, ATV, and All Other Motor Vehicle Dealers Industry Context
Ready to Fund Your Motorcycle, ATV, and All Other Motor Vehicle Dealers Business?
PeerSense places SBA loans for motorcycle, atv, and all other motor vehicle dealers businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
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How Does SBA Lending Work for Motorcycle, ATV, and All Other Motor Vehicle Dealers Businesses?
Across all SBA loan programs, 741 loans have been approved for businesses classified under NAICS 441228 (Motorcycle, ATV, and All Other Motor Vehicle Dealers), representing $586.5M in total capital deployed. The average approved loan of $792K is 132% above avg the national SBA average of $340K, with typical repayment terms of 182 months.
SBA lending for motorcycle, atv, and all other motor vehicle dealers has contracted approximately 97% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 292 lenders remain active, maintaining competitive options for qualified borrowers.
Notably, 29% of SBA loans in this industry use the 504 program — well above the national average — indicating that motorcycle, atv, and all other motor vehicle dealers businesses frequently finance major fixed assets like real estate, heavy equipment, or facility buildouts. The 504 program offers up to $5.5M with below-market fixed rates and only 10% down from the borrower.
PeerSense specializes in matching motorcycle, atv, and all other motor vehicle dealers business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Motorcycle, ATV, and All Other Motor Vehicle Dealers SBA Loans
What is the average SBA loan size for motorcycle, atv, and all other motor vehicle dealers businesses?
Which SBA loan program is best for a motorcycle, atv, and all other motor vehicle dealers business?
How many lenders fund SBA loans for motorcycle, atv, and all other motor vehicle dealers?
What states have the most SBA lending for motorcycle, atv, and all other motor vehicle dealers?
How does PeerSense help motorcycle, atv, and all other motor vehicle dealers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Motorcycle, ATV, and All Other Motor Vehicle Dealers defined by NAICS code 441228. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.