How much do SBA lenders typically lend to a automotive oil change and lubrication shops business?

The median SBA approval in NAICS 811191 is $390,000, with the middle 80% of loans between $50,000 and $1,590,000. Across all industries the median is $180,000.

Which lenders are most active in automotive oil change and lubrication shops?

By dollars approved: Live Oak Banking Company, Wells Fargo Bank, The Huntington National Bank, PNC Bank, Newtek Small Business Finance, Inc.. 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 oil change and lubrication shops considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 5.4% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 811191 · Other Services

SBA loans for automotive oil change and lubrication shops

1,307 SBA loans worth $840.8M have been approved in this industry since FY2010 - the #164 most-financed NAICS code in the country.

Median loan

$390,000

+117% vs all industries

Typical range

$50K-$1.6M

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

20 yr

Charge-off rate

5.4%

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	153	$153.2M
Wells Fargo Bank	88	$58.5M
The Huntington National Bank	109	$25.4M
PNC Bank	20	$17.2M
Newtek Small Business Finance, Inc.	14	$16.7M
Celtic Bank Corporation	18	$15.6M
Bank of the West	13	$14.2M
Ameris Bank	13	$14.1M
The Bancorp Bank	11	$11.9M
Banc of California	6	$11.8M

Geography

Where these loans were made

State	Loans	Share
Texas	256
California	120
Michigan	104
Florida	93
Colorado	47
Illinois	46
North Carolina	45
Utah	38

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

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’18

’19

’20

’21

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’24

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
9%
$50K - $150K
14%
$150K - $350K
22%
$350K - $1M
32%
$1M - $2M
16%
Over $2M
6%

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 oil change and lubrication shops business?: The median SBA approval in NAICS 811191 is $390,000, with the middle 80% of loans between $50,000 and $1,590,000. Across all industries the median is $180,000.
Which lenders are most active in automotive oil change and lubrication shops?: By dollars approved: Live Oak Banking Company, Wells Fargo Bank, The Huntington National Bank, PNC Bank, Newtek Small Business Finance, Inc.. 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 oil change and lubrication shops considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 5.4% 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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