Best SBA 7(a) lenders for motorcycle, atv, and all other motor vehicle dealers
NAICS 441228 — Motorcycle, ATV, and All Other Motor Vehicle Dealers.
135 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $134.3M.
Loans
135
Total $
$134.3M
Avg loan
$995K
Avg rate
5.46%
Avg term
162 mo
Industry chg-off rate
2.22%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National Association | 7 | $9.3M | $1.3M | 6.32% | 0.00% |
| 2 | Live Oak Banking Company | 6 | $12.1M | $2.0M | 5.44% | 0.00% |
| 3 | Northwest Bank | 4 | $3.5M | $888K | 6.00% | 0.00% |
| 4 | BayFirst National Bank | 4 | $4.4M | $1.1M | 6.31% | 25.00% |
| 5 | BMO Bank National Association | 4 | $4.7M | $1.2M | 4.51% | 0.00% |
| 6 | Lake City Bank | 3 | $465K | $155K | 4.33% | 0.00% |
| 7 | JPMorgan Chase Bank, National Association | 3 | $1.1M | $367K | 4.12% | 0.00% |
| 8 | PlainsCapital Bank | 3 | $2.8M | $933K | 4.75% | 0.00% |
| 9 | Peoples Bank | 3 | $872K | $291K | 5.66% | 0.00% |
| 10 | First Interstate Bank | 3 | $1.2M | $395K | 4.30% | 0.00% |
| 11 | Centennial Bank | 3 | $2.0M | $658K | 5.50% | 0.00% |
| 12 | Readycap Lending, LLC | 3 | $5.1M | $1.7M | 5.50% | 0.00% |
| 13 | IncredibleBank | 2 | $1.8M | $890K | 6.63% | 0.00% |
| 14 | Celtic Bank Corporation | 2 | $1.1M | $575K | 6.88% | 0.00% |
| 15 | Bank of America, National Association | 2 | $1.4M | $699K | 3.25% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 441228. Charge-off rates are calculated on the FY2020–FY2023 cohort only.