Automotive Parts and Accessories Retailers: SBA business acquisition loan data
88 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Automotive Parts and Accessories Retailers (NAICS 441330), totaling $89.9M. Median loan $805,000, 25% higher than the all-acquisition median. Annual volume fell 16% from FY2024 to FY2026.
Seller note standby terms and third-party consents are reviewed before closing.
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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 $1,235,250 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.2% of all SBA-financed business purchases, ranking #109 of 300 industries tracked.
- Geography. California leads with 10 loans; the top five states account for 40% of the industry's acquisitions.
- Jobs. Lenders reported 700 jobs supported across these loans, about 8.0 per acquisition, a rough proxy for the size of business changing hands.
Automotive Parts and Accessories Retailers acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 0 | $0 | - | |
| FY2020 | 0 | $0 | - | |
| FY2021 | 0 | $0 | - | |
| FY2022 | 7 | $9.4M | $1,160,000 | |
| FY2023 | 11 | $9.1M | $750,000 | |
| FY2024 | 25 | $27.2M | $810,000 | |
| FY2025 | 24 | $26.1M | $696,000 | |
| FY2026 | 21 | $18.1M | $750,000 |
How often do these acquisition loans fail?
Fewer than 20 Automotive Parts and Accessories Retailers acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. 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.
Seller note standby terms and third-party consents are reviewed before closing.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 10 | 11.4% | $5.2M | |
| 2 | Colorado | 7 | 8.0% | $8.9M | |
| 3 | Texas | 6 | 6.8% | $6.4M | |
| 4 | Washington | 6 | 6.8% | $3.8M | |
| 5 | Florida | 6 | 6.8% | $3.4M | |
| 6 | Georgia | 4 | 4.5% | $7.1M | |
| 7 | Illinois | 3 | 3.4% | $4.7M | |
| 8 | Arizona | 3 | 3.4% | $4.5M | |
| 9 | Michigan | 3 | 3.4% | $3.7M | |
| 10 | Ohio | 3 | 3.4% | $1.9M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 12 | 13.6% | $16.6M | |
| 2 | The Huntington National Bank | 6 | 6.8% | $6.4M | |
| 3 | Truliant FCU | 3 | 3.4% | $5.7M | |
| 4 | The Bancorp Bank National Association | 3 | 3.4% | $3.3M | |
| 5 | Manufacturers and Traders Trust Company | 3 | 3.4% | $2.3M | |
| 6 | Hinsdale Bank & Trust Company, National Association | 2 | 2.3% | $3.7M | |
| 7 | Zions Bancorporation, National Association | 2 | 2.3% | $2.5M | |
| 8 | Customers Bank | 2 | 2.3% | $1.7M | |
| 9 | American Momentum Bank | 2 | 2.3% | $1.5M | |
| 10 | Northwest Bank | 2 | 2.3% | $1.5M |
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Franchise brands in Automotive Parts and Accessories Retailers
14% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | NAPA AutoCare | 2 | 16.7% | $2.7M | |
| 2 | Batteries Plus | 2 | 16.7% | $1.9M | |
| 3 | LINE-X | 1 | 8.3% | $3.6M | |
| 4 | Ace Hardware | 1 | 8.3% | $1.6M | |
| 5 | RhinoShield | 1 | 8.3% | $1.4M | |
| 6 | 1-800-Radiator & A/C | 1 | 8.3% | $750K | |
| 7 | AAMCO Transmissions and Total Car Care | 1 | 8.3% | $645K | |
| 8 | Carquest Auto Parts | 1 | 8.3% | $300K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Automotive Parts and Accessories Retailers?
Median $805,000 across 88 acquisition loans (FY2018 to FY2026); the middle half ran $498,250 to $1,235,250. That is 25% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Automotive Parts and Accessories Retailers acquisitions?
Live Oak Banking Company (12), The Huntington National Bank (6), Truliant FCU (3), The Bancorp Bank National Association (3), Manufacturers and Traders Trust Company (3).
Are businesses in Automotive Parts and Accessories Retailers often franchised?
Sometimes. 14% of SBA acquisition loans in this industry financed a franchised unit. Top brands: NAPA AutoCare, Batteries Plus, LINE-X, Ace Hardware, RhinoShield.
How risky are SBA loans for buying a business in Automotive Parts and Accessories Retailers?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Automotive Parts and Accessories Retailers acquisitions?
Median term 10 years, average initial rate 9.17% 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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