How much do SBA lenders typically lend to a general automotive repair business?

The median SBA approval in NAICS 811111 is $190,000, with the middle 80% of loans between $25,000 and $950,000. Across all industries the median is $180,000.

Which lenders are most active in general automotive repair?

By dollars approved: Live Oak Banking Company, U.S. Bank, Wells Fargo Bank, The Huntington National Bank, 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 general automotive repair considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.0% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 811111 · Other Services

SBA loans for general automotive repair

16,083 SBA loans worth $6.03B have been approved in this industry since FY2010 - the #7 most-financed NAICS code in the country.

Median loan

$190,000

+6% vs all industries

Typical range

$25K-$950K

Middle 80%

Median rate

6.75%

7(a) initial note rate

Median term

10 yr

Charge-off rate

7.0%

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
Live Oak Banking Company	322	$339.3M
U.S. Bank	839	$282.4M
Wells Fargo Bank	781	$258.8M
The Huntington National Bank	964	$205.2M
Enterprise Bank & Trust	159	$127.4M
Newtek Bank	359	$127.2M
Harvest Small Business Finance, LLC	114	$106.6M
BMO Bank	110	$79.4M
Mortgage Capital Development Corporation	99	$75.6M
SouthState Bank	111	$73.8M

Geography

Where these loans were made

State	Loans	Share
California	1,999
Texas	1,253
Florida	843
New York	778
Ohio	715
Illinois	640
Massachusetts	632
Pennsylvania	563

Approvals by fiscal year

’10

’11

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’13

’14

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’19

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
21%
$50K - $150K
22%
$150K - $350K
24%
$350K - $1M
25%
$1M - $2M
7%
Over $2M
2%

Nearby

Other other services industries

See the sector

Beauty Salons14,068 · $85,000 Other Personal Care Services7,830 · $175,000 All Other Personal Services7,488 · $144,000 Pet Care (except Veterinary) Services6,530 · $195,850 Car Washes5,876 · $773,000 Automotive Body, Paint, and Interior Repair and Maintenance5,872 · $240,000 Drycleaning and Laundry Services3,976 · $200,000 Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance3,531 · $150,000

Common questions

How much do SBA lenders typically lend to a general automotive repair business?: The median SBA approval in NAICS 811111 is $190,000, with the middle 80% of loans between $25,000 and $950,000. Across all industries the median is $180,000.
Which lenders are most active in general automotive repair?: By dollars approved: Live Oak Banking Company, U.S. Bank, Wells Fargo Bank, The Huntington National Bank, 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 general automotive repair considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.0% were charged off, versus 7.6% across all SBA lending. That is close to average.

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