How much do lenders finance for a Tuffy Tire & Auto Service franchise?

The median SBA loan approved for a Tuffy Tire & Auto Service franchise is $677,500, with the middle 80% of loans between $100,000 and $1,816,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance Tuffy Tire & Auto Service franchises?

By dollars approved, the most active SBA lenders for Tuffy Tire & Auto Service have been Live Oak Banking Company, Enterprise Bank & Trust, The Huntington National Bank, Celtic Bank Corporation. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are Tuffy Tire & Auto Service SBA loans?

The median term is 18.3 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Franchise financing

Financing a Tuffy Tire & Auto Service franchise

SBA lenders have approved 36 loans against the Tuffy Tire & Auto Service brand since FY2010, totalling $30.9M. The median approval was $677,500. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#623

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$677,500

Typical range

$100K-$1.8M

Middle 80% of loans

Median term

18.3 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed Tuffy Tire & Auto Service

Lender	Loans	Approved
Live Oak Banking Company	17	$19.9M
Enterprise Bank & Trust	1	$3.2M
The Huntington National Bank	4	$1.6M
Celtic Bank Corporation	2	$1.3M
Bank of America	1	$848K
Florida Business Development Corporation	1	$780K
Customers Bank	2	$776K
Hinsdale Bank & Trust Company	2	$755K

Geography

Where Tuffy Tire & Auto Service units were financed

State	Loans	Share
Florida	10
Michigan	9
Ohio	4
Illinois	3
North Carolina	3
Iowa	1
California	1
Alabama	1

Approvals by fiscal year

’13

’14

’15

’17

’18

’19

’20

’21

’22

’23

’25

’26

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

Under $50K
3%
$50K - $150K
14%
$150K - $350K
11%
$350K - $1M
42%
$1M - $2M
25%
Over $2M
6%

Financing a Tuffy Tire & Auto Service: common questions

How much do lenders finance for a Tuffy Tire & Auto Service franchise?: The median SBA loan approved for a Tuffy Tire & Auto Service franchise is $677,500, with the middle 80% of loans between $100,000 and $1,816,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance Tuffy Tire & Auto Service franchises?: By dollars approved, the most active SBA lenders for Tuffy Tire & Auto Service have been Live Oak Banking Company, Enterprise Bank & Trust, The Huntington National Bank, Celtic Bank Corporation. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are Tuffy Tire & Auto Service SBA loans?: The median term is 18.3 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

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