How much do SBA lenders typically lend to a all other automotive repair and maintenance business?

The median SBA approval in NAICS 811198 is $125,000, with the middle 80% of loans between $15,000 and $850,500. Across all industries the median is $180,000.

Which lenders are most active in all other automotive repair and maintenance?

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

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.9% were charged off, versus 7.6% across all SBA lending. That is close to average.

NAICS 811198 · Other Services

SBA loans for all other automotive repair and maintenance

2,176 SBA loans worth $692.3M have been approved in this industry since FY2010 - the #106 most-financed NAICS code in the country.

Median loan

$125,000

-31% vs all industries

Typical range

$15K-$851K

Middle 80%

Median rate

7.25%

7(a) initial note rate

Median term

10 yr

Charge-off rate

7.9%

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	202	$37.7M
The Huntington National Bank	177	$25.5M
Enterprise Bank & Trust	30	$23.5M
Live Oak Banking Company	21	$19.1M
U.S. Bank	121	$17.3M
Greater East Texas Certified Development Company	22	$16.4M
JPMorgan Chase Bank	73	$16.3M
Celtic Bank Corporation	46	$14.7M
Harvest Small Business Finance, LLC	14	$14.0M
Newtek Small Business Finance, Inc.	18	$11.1M

Geography

Where these loans were made

State	Loans	Share
California	341
Texas	215
Ohio	127
Florida	102
New York	96
Pennsylvania	90
Michigan	83
Indiana	71

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
28%
$50K - $150K
24%
$150K - $350K
21%
$350K - $1M
18%
$1M - $2M
6%
Over $2M
2%

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 all other automotive repair and maintenance business?: The median SBA approval in NAICS 811198 is $125,000, with the middle 80% of loans between $15,000 and $850,500. Across all industries the median is $180,000.
Which lenders are most active in all other automotive repair and maintenance?: By dollars approved: Wells Fargo Bank, The Huntington National Bank, Enterprise Bank & Trust, Live Oak Banking Company, U.S. 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 all other automotive repair and maintenance considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.9% were charged off, versus 7.6% across all SBA lending. That is close to average.

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