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

The median SBA approval in NAICS 811112 is $150,000, with the middle 80% of loans between $20,000 and $617,000. Across all industries the median is $180,000.

Which lenders are most active in automotive exhaust system repair?

By dollars approved: Columbia Bank, JPMorgan Chase Bank, Wells Fargo Bank, US Metro Bank, SoFi Bank. 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 exhaust system repair considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.5% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 811112 · Other Services

SBA loans for automotive exhaust system repair

142 SBA loans worth $37.1M have been approved in this industry since FY2010 - the #609 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$20K-$617K

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

4.5%

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
Columbia Bank	5	$4.0M
JPMorgan Chase Bank	9	$2.7M
Wells Fargo Bank	9	$2.6M
US Metro Bank	1	$1.8M
SoFi Bank	1	$1.6M
Newtek Small Business Finance, Inc.	1	$1.3M
Harvest Small Business Finance, LLC	1	$1.1M
SouthState Bank	2	$1.1M
U.S. Bank	5	$1.0M
Mountain West Small Business Finance	2	$970K

Geography

Where these loans were made

State	Loans	Share
California	23
Texas	9
Illinois	8
Indiana	8
New York	8
Utah	7
Massachusetts	6
Ohio	5

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
30%
$50K - $150K
18%
$150K - $350K
26%
$350K - $1M
22%
$1M - $2M
4%

Nearby

Other other services industries

See the sector

General Automotive Repair16,083 · $190,000 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

Common questions

How much do SBA lenders typically lend to a automotive exhaust system repair business?: The median SBA approval in NAICS 811112 is $150,000, with the middle 80% of loans between $20,000 and $617,000. Across all industries the median is $180,000.
Which lenders are most active in automotive exhaust system repair?: By dollars approved: Columbia Bank, JPMorgan Chase Bank, Wells Fargo Bank, US Metro Bank, SoFi Bank. 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 exhaust system repair considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 4.5% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

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