How much do SBA lenders typically lend to a automotive parts and accessories stores business?

The median SBA approval in NAICS 441310 is $181,100, with the middle 80% of loans between $23,000 and $995,000. Across all industries the median is $180,000.

Which lenders are most active in automotive parts and accessories stores?

By dollars approved: Wells Fargo Bank, U.S. Bank, The Huntington National Bank, Mortgage Capital Development Corporation, Enterprise Bank & Trust. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

Is automotive parts and accessories stores considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.3% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 441310 · Retail

SBA loans for automotive parts and accessories stores

2,779 SBA loans worth $1.08B have been approved in this industry since FY2010 - the #85 most-financed NAICS code in the country.

Median loan

$181,100

+1% vs all industries

Typical range

$23K-$995K

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

7.3%

vs 7.6% all industries

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

Most active in this industry

Lender	Loans	Approved
Wells Fargo Bank	190	$71.8M
U.S. Bank	125	$42.1M
The Huntington National Bank	190	$40.2M
Mortgage Capital Development Corporation	23	$28.9M
Enterprise Bank & Trust	26	$20.7M
JPMorgan Chase Bank	83	$20.7M
BMO Bank	20	$19.8M
Business Finance Capital	16	$18.3M
Live Oak Banking Company	14	$16.8M
CDC Small Business Finance Corp.	25	$16.8M

Geography

Where these loans were made

State	Loans	Share
California	432
Texas	185
Florida	172
Michigan	150
Puerto Rico	137
Ohio	132
New York	107
Minnesota	103

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
21%
$50K - $150K
22%
$150K - $350K
23%
$350K - $1M
24%
$1M - $2M
7%
Over $2M
3%

Nearby

Other retail industries

See the sector

Gasoline Stations with Convenience Stores9,734 · $788,400 Beer, Wine, and Liquor Stores8,158 · $300,000 Supermarkets and Other Grocery Retailers7,314 · $350,000 Pharmacies and Drug Stores4,651 · $350,000 Convenience Stores4,629 · $179,100 Used Car Dealers4,422 · $227,750 Beer, Wine, and Liquor Retailers2,760 · $500,000 All Other Specialty Food Stores2,624 · $150,000

Common questions

How much do SBA lenders typically lend to a automotive parts and accessories stores business?: The median SBA approval in NAICS 441310 is $181,100, with the middle 80% of loans between $23,000 and $995,000. Across all industries the median is $180,000.
Which lenders are most active in automotive parts and accessories stores?: By dollars approved: Wells Fargo Bank, U.S. Bank, The Huntington National Bank, Mortgage Capital Development Corporation, Enterprise Bank & Trust. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
Is automotive parts and accessories stores considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.3% were charged off, versus 7.6% across all SBA lending. That is close to average.

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