Automotive Glass Replacement Shops: SBA business acquisition loan data
58 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Automotive Glass Replacement Shops (NAICS 811122), totaling $36.7M. Median loan $398,500, 38% lower than the all-acquisition median.
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Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $962,750 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.1% of all SBA-financed business purchases, ranking #154 of 300 industries tracked.
- Geography. California leads with 12 loans; the top five states account for 50% of the industry's acquisitions.
- Jobs. Lenders reported 537 jobs supported across these loans, about 9.3 per acquisition, a rough proxy for the size of business changing hands.
Automotive Glass Replacement Shops acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 9 | $5.5M | $328,000 | |
| FY2019 | 7 | $1.6M | $173,100 | |
| FY2020 | 4 | $3.6M | $1,068,050 | |
| FY2021 | 6 | $4.2M | $371,650 | |
| FY2022 | 8 | $2.6M | $247,500 | |
| FY2023 | 4 | $3.8M | $759,500 | |
| FY2024 | 8 | $8.9M | $657,500 | |
| FY2025 | 7 | $5.5M | $772,000 | |
| FY2026 | 5 | $974K | $100,000 |
How often do these acquisition loans fail?
Of the 26 Automotive Glass Replacement Shops acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 1 have been charged off by the SBA, a rate of 3.9% by loan count and 0.9% by dollars. 17 have already been paid in full.
For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so Automotive Glass Replacement Shops is 9% higher than the acquisition-loan average. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
The purchase agreement decides what you bought, not the loan approval.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 12 | 20.7% | $6.2M | |
| 2 | Texas | 5 | 8.6% | $4.1M | |
| 3 | Arizona | 5 | 8.6% | $3.2M | |
| 4 | Colorado | 4 | 6.9% | $1.4M | |
| 5 | Minnesota | 3 | 5.2% | $2.8M | |
| 6 | Michigan | 3 | 5.2% | $1.3M | |
| 7 | Illinois | 2 | 3.4% | $3.3M | |
| 8 | Georgia | 2 | 3.4% | $1.7M | |
| 9 | Massachusetts | 2 | 3.4% | $465K | |
| 10 | Ohio | 1 | 1.7% | $3.9M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 5 | 8.6% | $2.7M | |
| 2 | Wells Fargo Bank National Association | 4 | 6.9% | $2.8M | |
| 3 | Zions Bancorporation, National Association | 3 | 5.2% | $3M | |
| 4 | U.S. Bank, National Association | 3 | 5.2% | $1.5M | |
| 5 | The Huntington National Bank | 2 | 3.4% | $4.1M | |
| 6 | BankVista | 2 | 3.4% | $2.3M | |
| 7 | First Internet Bank of Indiana | 2 | 3.4% | $1.9M | |
| 8 | Byline Bank | 2 | 3.4% | $1.7M | |
| 9 | Celtic Bank Corporation | 2 | 3.4% | $1.3M | |
| 10 | Eastern Bank | 2 | 3.4% | $465K |
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Franchise brands in Automotive Glass Replacement Shops
16% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Glass Doctor | 4 | 44.4% | $2M |
Questions buyers ask
How much is a typical SBA loan to buy a business in Automotive Glass Replacement Shops?
Median $398,500 across 58 acquisition loans (FY2018 to FY2026); the middle half ran $160,875 to $962,750. That is 38% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Automotive Glass Replacement Shops acquisitions?
Live Oak Banking Company (5), Wells Fargo Bank National Association (4), Zions Bancorporation, National Association (3), U.S. Bank, National Association (3), The Huntington National Bank (2).
Are businesses in Automotive Glass Replacement Shops often franchised?
Sometimes. 16% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Glass Doctor.
How risky are SBA loans for buying a business in Automotive Glass Replacement Shops?
Of 26 seasoned loans (FY2018 to FY2021), 3.9% charged off, 9% higher than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Automotive Glass Replacement Shops acquisitions?
Median term 10 years, average initial rate 7.62% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
The purchase agreement decides what you bought, not the loan approval.
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