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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 | Share |
|---|---|---|---|
| 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 |
An SBA 7(a) lender for loans this size
59% of the SBA loans approved in automotive body, paint, and interior repair and maintenance since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Approvals by fiscal year
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K18%
- $50K - $150K21%
- $150K - $350K20%
- $350K - $1M26%
- $1M - $2M10%
- Over $2M4%
Franchise brands in Automotive Body, Paint, and Interior Repair and Maintenance
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Maaco | 88 | $58.2M | |
| Maaco Auto Painting & Bodyworks | 58 | $24.4M | |
| Carstar | 47 | $48.6M | |
| Maaco Auto Painting Center | 34 | $13.0M | |
| Fix Auto | 30 | $43.8M | |
| Fibrenew | 23 | $3.1M | |
| Line-x | 20 | $6.4M | |
| Carstar Automotive | 17 | $13.7M | |
| Tint World | 15 | $6.9M | |
| Creative Colors International | 5 | $707K |
Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.
Nearby
Other other services industries
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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