{"source":"SBA 7(a) FOIA loan file (data.sba.gov), change-of-ownership loans only, aggregated","publisher":"SBA Acquisition Data","page":"https://sbaacquisitiondata.com/industry/used-car-dealers-441120","type":"industry","name":"Used Car Dealers","as_of":"2026-09-30","fy_min":2018,"fy_max":2026,"license":"https://www.usa.gov/government-works","data":{"naics":"441120","name":"Used Car Dealers","slug":"used-car-dealers-441120","summary":{"loans":53,"dollars":74243400,"median":924200,"mean":1400819,"p25":250000,"p75":2270000,"avg_rate":7.6,"median_term":120,"guaranty_share":0.766,"jobs":518,"franchise_loans":1,"recent_loans":16},"by_fy":[{"fy":2018,"loans":6,"dollars":9271700,"median":575850},{"fy":2019,"loans":6,"dollars":4338400,"median":466250},{"fy":2020,"loans":5,"dollars":4296100,"median":642600},{"fy":2021,"loans":7,"dollars":6947800,"median":1048500},{"fy":2022,"loans":6,"dollars":5434500,"median":625000},{"fy":2023,"loans":3,"dollars":5586000,"median":1550000},{"fy":2024,"loans":4,"dollars":8309700,"median":1965000},{"fy":2025,"loans":8,"dollars":23482900,"median":3155000},{"fy":2026,"loans":8,"dollars":6576300,"median":651350}],"seasoned":{"loans":24,"charged_off":3,"paid_in_full":11,"chargeoff_rate":0.125,"chargeoff_dollar_rate":0.0962,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":53,"median":924200,"p25":250000,"p75":2270000,"avg_rate":7.6,"median_term":120,"chargeoff_rate":0.125},"parents":[]},"concentration":{"by":"lender","top1":0.0566,"top3":0.1509,"n3plus":2,"distinct":41},"recent":{"loans":16,"median":1521500,"prior_loans":7,"change":null},"size_mix":{"lt350k":0.3019,"350k_1m":0.2264,"1m_2m":0.1887,"gt2m":0.283},"top_states":[{"key":"TX","loans":5,"dollars":12018400,"name":"Texas","slug":"tx"},{"key":"IL","loans":5,"dollars":9055500,"name":"Illinois","slug":"il"},{"key":"FL","loans":4,"dollars":8991600,"name":"Florida","slug":"fl"},{"key":"WI","loans":4,"dollars":4487700,"name":"Wisconsin","slug":"wi"},{"key":"NC","loans":3,"dollars":3863000,"name":"North Carolina","slug":"nc"},{"key":"MN","loans":3,"dollars":3180000,"name":"Minnesota","slug":"mn"},{"key":"NH","loans":3,"dollars":1874500,"name":"New Hampshire","slug":"nh"},{"key":"PA","loans":2,"dollars":5015200,"name":"Pennsylvania","slug":"pa"},{"key":"OR","loans":2,"dollars":3716000,"name":"Oregon","slug":"or"},{"key":"MT","loans":2,"dollars":2804300,"name":"Montana","slug":"mt"}],"top_lenders":[{"key":"BMO Bank National Association","loans":3,"dollars":5492700,"name":"BMO Bank National Association","slug":"bmo-bank-national-association"},{"key":"Columbia Bank","loans":3,"dollars":3144300,"name":"Columbia Bank","slug":"columbia-bank"},{"key":"Beacon Bank and Trust","loans":2,"dollars":5349000,"name":"Beacon Bank and Trust","slug":"beacon-bank-and-trust"},{"key":"Celtic Bank Corporation","loans":2,"dollars":4263500,"name":"Celtic Bank Corporation","slug":"celtic-bank-corporation"},{"key":"Live Oak Banking Company","loans":2,"dollars":2520000,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"},{"key":"Fortifi Bank","loans":2,"dollars":1800000,"name":"Fortifi Bank","slug":null},{"key":"Wilmington Savings Fund Society FSB","loans":2,"dollars":1190000,"name":"Wilmington Savings Fund Society FSB","slug":"wilmington-savings-fund-society-fsb"},{"key":"Locus Bank Inc","loans":2,"dollars":957500,"name":"Locus Bank Inc","slug":null},{"key":"First Citizens Bank","loans":2,"dollars":300000,"name":"First Citizens Bank","slug":null},{"key":"Bangor Savings Bank","loans":2,"dollars":100000,"name":"Bangor Savings Bank","slug":"bangor-savings-bank"}],"top_franchises":[{"key":"S4155","loans":1,"dollars":3757000,"name":"Ford Motor Company","slug":"ford-motor-company"}]}}