How much do SBA lenders typically lend to a automotive body, paint, and interior repair and maintenance business?

The median SBA approval in NAICS 811121 is $240,000, with the middle 80% of loans between $25,000 and $1,293,000. Across all industries the median is $180,000.

Which lenders are most active in automotive body, paint, and interior repair and maintenance?

By dollars approved: Wells Fargo Bank, U.S. Bank, Live Oak Banking Company, Enterprise Bank & Trust, The Huntington National 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 body, paint, and interior repair and maintenance considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 5.1% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 811121 · Other Services

SBA loans for automotive body, paint, and interior repair and maintenance

5,872 SBA loans worth $2.85B have been approved in this industry since FY2010 - the #39 most-financed NAICS code in the country.

Median loan

$240,000

+33% vs all industries

Typical range

$25K-$1.3M

Middle 80%

Median rate

6.50%

7(a) initial note rate

Median term

10 yr

Charge-off rate

5.1%

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	285	$134.3M
U.S. Bank	288	$118.8M
Live Oak Banking Company	74	$100.5M
Enterprise Bank & Trust	69	$79.7M
The Huntington National Bank	303	$76.2M
Mortgage Capital Development Corporation	72	$73.6M
Harvest Small Business Finance, LLC	49	$49.1M
CDC Small Business Finance Corp.	65	$45.2M
JPMorgan Chase Bank	174	$40.2M
Columbia Bank	80	$39.2M

Geography

Where these loans were made

State	Loans	Share
California	1,033
Texas	416
Florida	291
New York	284
Massachusetts	242
Ohio	236
Illinois	235
Michigan	186

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
18%
$50K - $150K
21%
$150K - $350K
20%
$350K - $1M
26%
$1M - $2M
10%
Over $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 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 automotive body, paint, and interior repair and maintenance business?: The median SBA approval in NAICS 811121 is $240,000, with the middle 80% of loans between $25,000 and $1,293,000. Across all industries the median is $180,000.
Which lenders are most active in automotive body, paint, and interior repair and maintenance?: By dollars approved: Wells Fargo Bank, U.S. Bank, Live Oak Banking Company, Enterprise Bank & Trust, The Huntington National 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 body, paint, and interior repair and maintenance considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 5.1% 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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