Motorcycle, ATV, and All Other Motor Vehicle Dealers: SBA business acquisition loan data
71 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Motorcycle, ATV, and All Other Motor Vehicle Dealers (NAICS 441227), totaling $105M. Median loan $903,000, 40% higher than the all-acquisition median. 25% of these deals were franchised units.
The purchase agreement decides what you bought, not the loan approval.
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Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $2,408,700 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.1% of all SBA-financed business purchases, ranking #126 of 300 industries tracked.
- Geography. Ohio leads with 6 loans; the top five states account for 37% of the industry's acquisitions.
- Jobs. Lenders reported 900 jobs supported across these loans, about 12.7 per acquisition, a rough proxy for the size of business changing hands.
Motorcycle, ATV, and All Other Motor Vehicle Dealers acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 9 | $11.5M | $783,000 | |
| FY2019 | 8 | $8.7M | $784,450 | |
| FY2020 | 8 | $5.2M | $531,700 | |
| FY2021 | 12 | $18.7M | $1,432,500 | |
| FY2022 | 6 | $11.7M | $1,347,950 | |
| FY2023 | 5 | $9M | $2,248,500 | |
| FY2024 | 8 | $19.1M | $1,790,000 | |
| FY2025 | 7 | $13.2M | $2,412,400 | |
| FY2026 | 8 | $8M | $339,250 |
How often do these acquisition loans fail?
Of the 37 Motorcycle, ATV, and All Other Motor Vehicle Dealers acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), none have been charged off by the SBA. 28 have already been paid in full.
For comparison, Motorcycle, ATV, and All Other Motor Vehicle Dealers has none charged off, against the 3.5% average across all SBA 7(a) acquisition loans in the same cohort. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
The purchase agreement decides what you bought, not the loan approval.
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Top states
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 5 | 7.0% | $11.5M | |
| 2 | Beacon Bank and Trust | 3 | 4.2% | $10.3M | |
| 3 | Fifth Third Bank | 3 | 4.2% | $4.7M | |
| 4 | IncredibleBank | 3 | 4.2% | $2.1M | |
| 5 | Hancock Whitney Bank | 3 | 4.2% | $1.1M | |
| 6 | State Bank Financial | 2 | 2.8% | $4.5M | |
| 7 | Pinnacle Bank | 2 | 2.8% | $4.2M | |
| 8 | First Internet Bank of Indiana | 2 | 2.8% | $3.7M | |
| 9 | Citizens Bank, National Association | 2 | 2.8% | $3.5M | |
| 10 | The Huntington National Bank | 2 | 2.8% | $3.2M |
Terms signed in the LOI shape the purchase agreement that follows.
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Franchise brands in Motorcycle, ATV, and All Other Motor Vehicle Dealers
25% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Polaris | 5 | 27.8% | $6.9M | |
| 2 | Honda Powersports Sales and Service Agreements | 5 | 27.8% | $5.2M |
Questions buyers ask
How much is a typical SBA loan to buy a business in Motorcycle, ATV, and All Other Motor Vehicle Dealers?
Median $903,000 across 71 acquisition loans (FY2018 to FY2026); the middle half ran $350,000 to $2,408,700. That is 40% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Motorcycle, ATV, and All Other Motor Vehicle Dealers acquisitions?
Live Oak Banking Company (5), Beacon Bank and Trust (3), Fifth Third Bank (3), IncredibleBank (3), Hancock Whitney Bank (3).
Are businesses in Motorcycle, ATV, and All Other Motor Vehicle Dealers often franchised?
Yes, often. 25% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Polaris, Honda Powersports Sales and Service Agreements.
How risky are SBA loans for buying a business in Motorcycle, ATV, and All Other Motor Vehicle Dealers?
Of 37 seasoned loans (FY2018 to FY2021), none charged off, against the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Motorcycle, ATV, and All Other Motor Vehicle Dealers acquisitions?
Median term 10 years, average initial rate 7.39% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
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