How much do SBA lenders typically lend to a automotive glass replacement shops business?

The median SBA approval in NAICS 811122 is $150,000, with the middle 80% of loans between $20,000 and $675,000. Across all industries the median is $180,000.

Which lenders are most active in automotive glass replacement shops?

By dollars approved: First Bank of the Lake, U.S. Bank, Wells Fargo Bank, The Huntington National Bank, Mortgage Capital Development Corporation. 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 glass replacement shops considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 11.0% were charged off, versus 7.6% across all SBA lending. That is materially above average, which in practice tends to mean tighter underwriting, more collateral, or a larger equity injection.

NAICS 811122 · Other Services

SBA loans for automotive glass replacement shops

782 SBA loans worth $217.2M have been approved in this industry since FY2010 - the #242 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$20K-$675K

Middle 80%

Median rate

7.75%

7(a) initial note rate

Median term

10 yr

Charge-off rate

11.0%

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
First Bank of the Lake	20	$13.2M
U.S. Bank	48	$9.8M
Wells Fargo Bank	41	$9.7M
The Huntington National Bank	39	$9.1M
Mortgage Capital Development Corporation	8	$5.8M
Readycap Lending, LLC	16	$5.5M
United Midwest Savings Bank	31	$5.1M
Newtek Bank	14	$4.7M
First Internet Bank of Indiana	4	$4.7M
Celtic Bank Corporation	14	$4.6M

Geography

Where these loans were made

State	Loans	Share
California	95
Texas	68
Florida	44
Arizona	40
Colorado	37
Massachusetts	31
Minnesota	28
Michigan	27

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

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’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
25%
$50K - $150K
25%
$150K - $350K
24%
$350K - $1M
21%
$1M - $2M
4%
Over $2M
1%

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 glass replacement shops business?: The median SBA approval in NAICS 811122 is $150,000, with the middle 80% of loans between $20,000 and $675,000. Across all industries the median is $180,000.
Which lenders are most active in automotive glass replacement shops?: By dollars approved: First Bank of the Lake, U.S. Bank, Wells Fargo Bank, The Huntington National Bank, Mortgage Capital Development Corporation. 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 glass replacement shops considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 11.0% were charged off, versus 7.6% across all SBA lending. That is materially above average, which in practice tends to mean tighter underwriting, more collateral, or a larger equity injection.

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