NAICS 441227 Quarterly Industry Report
Motorcycle, ATV, and All Other Motor Vehicle Dealers
Comprehensive industry research for valuation professionals, business owners, buyers, and lenders
NAICS Code: 441227Sector: 44Updated: Q1 2026
About This Report
This Fair Market Value industry report for NAICS 441227 draws on verified data from the U.S. Census Bureau[4], Bureau of Labor Statistics[6], and Small Business Administration[5] to profile the motorcycle, ATV, and specialty motor vehicle dealer sector. Our research team analyzes powersport industry trends, seasonal demand patterns, and dealer economics to provide accurate market intelligence for business valuation purposes. The report covers SBA size standards, related NAICS classifications, and the multi-category vehicle retail model. Fair Market Value updates this NAICS 441227 profile quarterly to reflect new Census releases and industry developments.
Industry Definition & Overview
Motorcycle, ATV, and All Other Motor Vehicle Dealers (NAICS 441227) encompasses establishments primarily engaged in retailing new and used motorcycles, motor scooters, mopeds, all-terrain vehicles (ATVs), personal watercraft, utility trailers, snowmobiles, powered golf carts, and other motor vehicles not classified as automobiles, light trucks, recreational vehicles, or boats. Many dealerships combine vehicle sales with parts and accessories retailing, repair services, and rider gear and apparel sales.
Powersport dealerships typically carry multiple vehicle categories to spread seasonal demand across product lines. Motorcycle sales peak in spring and summer, snowmobile demand concentrates in fall and winter, and ATV sales run strongest in spring for agricultural and utility use. Multi-brand dealers may represent several manufacturers across vehicle categories, while single-brand dealers focus on premium marques like Harley-Davidson that generate sufficient volume and customer loyalty to support dedicated facilities. According to the U.S. Census Bureau[4], this classification also captures aircraft dealers, though the overwhelming majority of establishments focus on powersport and small motor vehicles.
The SBA[5] sets the size standard at $40 million in average annual receipts for this industry. Rider demographics have shifted as millennials and Gen Z consumers enter the market alongside aging baby boomer riders, creating demand for both entry-level and premium products. Parts, accessories, and rider gear sales contribute meaningful margin above vehicle sales alone. Service department revenue provides stability during sales downturns, as the installed base of registered vehicles generates ongoing maintenance, customization, and repair demand regardless of new unit sales volume.
What's Included in This Industry
- Retail sale of new and used motorcycles and motor scooters
- Retail sale of all-terrain vehicles and side-by-sides
- Retail sale of snowmobiles and winter powersport vehicles
- Retail sale of personal watercraft through powersport dealers
- Retail sale of utility trailers and cargo trailers
- Retail sale of powered golf carts and low-speed vehicles
- Motorcycle and powersport parts and accessories retailing
- Powersport vehicle repair and maintenance services
- Rider gear, helmets, and apparel retailing at dealerships
- Retail sale of mopeds, e-bikes, and other small vehicles
NAICS Classification Hierarchy
| Level | Description | Code |
|---|---|---|
| Subsector | Motor Vehicle and Parts Dealers | 441 |
| Industry Group | Other Motor Vehicle Dealers | 4412 |
| NAICS Industry | Motorcycle, Boat, and Other Motor Vehicle Dealers | 44122 |
| National Industry | Motorcycle, ATV, and All Other Motor Vehicle Dealers | 441227 |
Related NAICS Codes
| Code | Description | Relationship |
|---|---|---|
| 441222 | Boat Dealers | Retails boats and watercraft through dealer networks, with direct product overlap in personal watercraft sold at both boat dealers and powersport dealerships |
| 441210 | Recreational Vehicle Dealers | Retails recreational vehicles through dealer networks, sharing the lifestyle vehicle retail category and competing for consumer recreational spending budgets |
| 441110 | New Car Dealers | Retails new automobiles through franchise dealerships, sharing the motor vehicle retail classification and manufacturer-dealer franchise relationship structures |
| 441120 | Used Car Dealers | Retails used automobiles through independent dealers, sharing used vehicle sourcing models and trade-in transaction structures with used powersport sales |
| 441330 | Automotive Parts and Accessories Retailers | Retails automotive parts and accessories, with product overlap in aftermarket accessories and modification parts for motorcycles and ATVs |
| 441340 | Tire Dealers | Retails tires including motorcycle and ATV tires, representing a parts and service category that powersport dealers also serve through their departments |
SBA Lending Summary
640
Total SBA Loans
$402.7M
Total Loan Volume
$629K
Average Loan Size
12 yrs
Average Loan Term
10.28%
Average Interest Rate
5,256
Jobs Supported
Source: SBA 7(a) Program Data, U.S. Small Business Administration — FY 2025[3]
Key Insight: The SBA[5] classifies NAICS 441227 under motor vehicle and parts dealers with a size standard of $40 million in average annual receipts. Businesses at or below this revenue threshold qualify as small for federal contracting preferences and SBA loan programs. Motorcycle and powersport dealers can access SBA 7(a) loans[7] for inventory financing, facility expansion, and working capital needs. Firms purchasing dealership facilities may qualify for 504 loans[8]. Floorplan inventory financing from powersport lending specialists funds most new vehicle inventory separately from SBA programs.
Top SBA Lenders
| # | Lender | Loans | Volume | Avg Loan |
|---|---|---|---|---|
| 1 | First Bank of the Lake | 16 | $80.0M | $5.0M |
| 2 | Field & Main Bank | 16 | $29.6M | $1.9M |
| 2 | First Internet Bank of Indiana | 16 | $29.6M | $1.9M |
| 2 | City National Bank of Florida | 16 | $29.6M | $1.9M |
| 5 | Community Bank & Trust-West Georgia | 8 | $25.4M | $3.2M |
Frequently Asked Questions
Common questions about this industry.
What types of businesses fall under NAICS 441227?
NAICS 441227 covers dealers retailing motorcycles, ATVs, snowmobiles, personal watercraft, utility trailers, golf carts, and other motor vehicles not classified as cars, RVs, or boats. Most dealerships also sell parts, accessories, and provide repair services. Source: U.S. Census Bureau[4]
What is the SBA size standard for NAICS 441227?
The SBA sets the size standard at $40 million in average annual receipts for motorcycle, ATV, and other motor vehicle dealers. Businesses at or below this revenue threshold qualify as small for federal contracting preferences and SBA financing. Source: SBA Size Standards[5]
How does seasonality affect powersport dealers?
Motorcycle sales peak in spring and summer riding months. Snowmobile demand concentrates in fall and early winter. ATV sales run strongest in spring for utility and agricultural applications. Multi-category dealers spread revenue across seasons by carrying complementary vehicle lines.
What NAICS codes are related to motorcycle dealers?
Related codes include 441222 (boat dealers with personal watercraft overlap), 441210 (RV dealers), 441110 (new car dealers), 441330 (auto parts stores), and 441340 (tire dealers). Manufacturing code 336991 (motorcycle manufacturing) supplies products. Source: Census NAICS[4]
Are aircraft dealers included in NAICS 441227?
Yes, aircraft dealers fall under this classification as a type of motor vehicle dealer not covered by automobile, RV, or boat dealer codes. However, the vast majority of NAICS 441227 establishments are powersport dealerships selling motorcycles, ATVs, and similar vehicles. Source: Census NAICS[4]
Can motorcycle and ATV dealers get SBA loans?
Yes, small businesses under NAICS 441227 can access SBA 7(a) loans for working capital and facility expansion, and 504 loans for dealership real estate purchases. Vehicle inventory is typically financed through powersport floorplan lenders. Source: SBA Loan Programs[9]
How important are parts and accessories to dealer profitability?
Parts, accessories, and rider gear generate higher profit margins than vehicle sales and provide revenue that is less dependent on seasonal new unit demand. Aftermarket modification and customization work drives repeat customer visits and builds loyalty beyond the initial vehicle purchase.
Where are powersport dealers concentrated geographically?
Motorcycle dealers operate nationwide with concentrations in warm-climate states (Florida, Texas, California) where riding seasons extend year-round. Snowmobile dealers concentrate in northern states (Minnesota, Wisconsin, Michigan). ATV dealers spread across rural agricultural regions. Source: BLS QCEW[10]
Sources & References
Government datasets and editorial sources used in this report.
- [1]U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages bls.gov
- [2]U.S. Census Bureau, Economic Census census.gov
- [3]U.S. Small Business Administration, SBA 7(a) Loan Program Data data.sba.gov
- [4]U.S. Census Bureau census.gov
- [5]SBA sba.gov
- [6]Bureau of Labor Statistics bls.gov
- [7]SBA 7(a) loans sba.gov
- [8]504 loans sba.gov
- [9]SBA Loan Programs sba.gov
- [10]BLS QCEW bls.gov
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