Which SBA program is best for Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasi?

The SBA 7(a) program is the most commonly used for Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasi businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 532120Real Estate

How Much Can Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasi Businesses Get in SBA Loans?

Name: PeerSense
Address: Westfield, Westfield, IN, 46074, US
Telephone: +13174526990
Price range: Referral fee at closing

782 SBA loans totaling $260.1M have been approved for truck, utility trailer, and rv (recreational vehicle) rental and leasi businesses (NAICS 532120). The average approved SBA loan is $333K, which is near national avg the $340K national average. 264 active lenders fund this industry with a 11.6% default rate on the matured 2018-2021 loan cohort.

Moderate default risk11.6% vs 15.4% all industry avg

At 11.6%, Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasi sits below the 15.4% all industry SBA default rate (charged off as a share of resolved loans), moderate default risk relative to other SBA industries. The capital source prices this risk into rate and structure.

Quick Answer

NAICS 532120 (Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasi) received 782 SBA loans worth $260.1M across 5+ states. Average loan $333K, average term 117 months, 11.6% default rate (resolved loan basis).264 active SBA approved lenders fund this industry. Most truck, utility trailer, and rv (recreational vehicle) rental and leasi loans use the SBA 7(a) program. There are approximately 6,309 U.S. establishments in this industry (Census 2022).

782

Total SBA Loans

$260.1M

Total Volume

$333K

Avg Loan Size

near national avg

264

Active Lenders

117 mo

Avg Term

10% below avg

4,187

Jobs Supported

Is SBA Lending Growing for Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasi?

$10.7M

$16.9M

$22.2M

$11.5M

$6.4M

$16.3M

$8.7M

$12.2M

$4.4M

$9.3M

Which SBA Program Do Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasi Businesses Use Most?

SBA 7(a)715 (91%)

SBA 50467 (9%)

What Is the Best SBA Loan for Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasi?

SBA 7(a)

The most widely used SBA program for truck, utility trailer, and rv (recreational vehicle) rental and leasi businesses: flexible terms, multiple use cases

Industry avg loan: $333K

Typical term: 117 months

Historical avg rate: 7.49%

264+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 11.6%

Where Are Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasi SBA Loans Most Common?

125 loans

$61.3M

62 loans

$9.8M

53 loans

$15.5M

30 loans

$7.1M

29 loans

$11.2M

SBA Lending Activity in Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasi

264 SBA lenders have funded 782 loans to truck, utility trailer, and rv (recreational vehicle) rental and leasi businesses (NAICS 532120). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.

Loans funded

782

Active lenders

264

Total volume

$260.1M

Avg loan size

$333K

Browse all SBA lenders

Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasi Industry Context

U.S. Establishments

6,309

U.S. Census Bureau · 2022

U.S. Employment

9,166,000

BLS · 2026

SBA Penetration

12.39%

SBA loans per establishment

Talk to PeerSense

PeerSense sources capital for truck, utility trailer, and rv (recreational vehicle) rental and leasi businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasi business.

Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.

SBA 7(a) / 504: PeerSense will reach out. No obligation.

How big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

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Referral fee realized at closing · Or call (317) 452 6990

How Does SBA Lending Work for Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasi Businesses?

Across all SBA loan programs, 782 loans have been approved for businesses classified under NAICS 532120 (Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasi), representing $260.1M in total capital deployed. The average approved loan of $333K is near national avg the national SBA average of $340K, with typical repayment terms of 117 months.

SBA lending for truck, utility trailer, and rv (recreational vehicle) rental and leasi has remained relatively stable across recent fiscal years. 264 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.

The industry sees a balanced mix of SBA programs, with 9% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.

Talk to PeerSense about a truck, utility trailer, and rv (recreational vehicle) rental and leasi file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasi SBA Loans

What is the average SBA loan size for truck, utility trailer, and rv (recreational vehicle) rental and leasi businesses?

Based on 782 approved SBA loans, the average loan size for truck, utility trailer, and rv (recreational vehicle) rental and leasi (NAICS 532120) is $333K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a truck, utility trailer, and rv (recreational vehicle) rental and leasi business?

SBA 7(a) is the most commonly used SBA program for truck, utility trailer, and rv (recreational vehicle) rental and leasi businesses. The most widely used SBA program for truck, utility trailer, and rv (recreational vehicle) rental and leasi businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for truck, utility trailer, and rv (recreational vehicle) rental and leasi?

264 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a truck, utility trailer, and rv (recreational vehicle) rental and leasi file.

What states have the most SBA lending for truck, utility trailer, and rv (recreational vehicle) rental and leasi?

CA leads with 125 SBA loans and $61.3M in total volume for truck, utility trailer, and rv (recreational vehicle) rental and leasi businesses. UT, TX, OH also show strong lending activity in this sector.

How does PeerSense help truck, utility trailer, and rv (recreational vehicle) rental and leasi businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a truck, utility trailer, and rv (recreational vehicle) rental and leasi file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Real Estate Industries

Offices of Real Estate Agents and Brokers

9,591 loans · N/A

Avg: $214K

Lessors of Nonresidential Buildings (except Miniwarehouses)

4,412 loans · N/A

Avg: $755K

Residential Property Managers

3,789 loans · N/A

Avg: $213K

Lessors of Miniwarehouses and Self-Storage Units

3,534 loans · N/A

Avg: $1.2M

Other Activities Related to Real Estate

3,323 loans · N/A

Avg: $339K

Other Commercial and Industrial Machinery and Equipment Rental and Lea

2,334 loans · N/A

Avg: $487K

Data aggregated from SBA loan records (1992 to 2025). Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasi defined by NAICS code 532120. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.