AAMCO Transmissions, vs Christian Brothers Automotive
AAMCO Transmissions, vs Christian Brothers Automotive: AAMCO Transmissions, costs $475K to $868K to open; Christian Brothers Automotive costs $350K to $771K. AAMCO Transmissions, has 462 units, Christian Brothers Automotive has 242. SBA loan history: AAMCO Transmissions, = 584 loans (19.9% default); Christian Brothers Automotive = 319 loans (0.0% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
AAMCO Transmissions, vs Christian Brothers Automotive: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Christian Brothers Automotive requires the lower minimum capital commitment ($350K vs $475K for AAMCO Transmissions,), a 36% spread. Initial franchise fees come in at $50K for AAMCO Transmissions, versus $135K for Christian Brothers Automotive, AAMCO Transmissions, has the lower entry fee.
System Scale & Tenure
On scale, AAMCO Transmissions, operates 462 units to Christian Brothers Automotive's 242. AAMCO Transmissions, has been operating 63 years (founded 1963) versus 44 for Christian Brothers Automotive (founded 1982), a 19-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
AAMCO Transmissions, has the deeper SBA lending track record, with 584 7(a) approvals compared with 319 for Christian Brothers Automotive.
Risk Signal
SBA default rates are 19.9% for AAMCO Transmissions, and 0.0% for Christian Brothers Automotive, Christian Brothers Automotive has the cleaner SBA loss record by 19.9 points. PeerSense FPI scores come in at 48 (Fair) for AAMCO Transmissions, and 64 (Moderate) for Christian Brothers Automotive, giving Christian Brothers Automotive the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 48/100 | 64/100 |
Health Tier | Fair | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 584 | 319 |
SBA Volume | – | – |
Default Rate | 19.9% | 0.0% |
Peer Tier | major | major |
Investment & Costs
Total Investment | $475K to $868K | $350K to $771K |
Franchise Fee | $50K | $135K |
Royalty Rate | 6% | 50% |
Ad Fund | 1% | 3% |
Liquid Capital | N/A | $85K |
Net Worth Required | N/A | $250K |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 462 | 242 |
Franchised Units | 462 | 242 |
Company Owned | – | – |
Term Length | 10 yrs | 15 yrs |
Which Is Better, AAMCO Transmissions, or Christian Brothers Automotive?
Lower upfront capital required
Christian Brothers Automotive
AAMCO Transmissions,: $475K starting · Christian Brothers Automotive: $350K starting
More SBA lender confidence
AAMCO Transmissions,
AAMCO Transmissions,: 584 SBA loans · Christian Brothers Automotive: 319 SBA loans
Lower SBA default rate
Christian Brothers Automotive
AAMCO Transmissions,: 19.9% · Christian Brothers Automotive: 0.0%
Larger system & brand presence
AAMCO Transmissions,
AAMCO Transmissions,: 462 units · Christian Brothers Automotive: 242 units
Lower ongoing royalty load
AAMCO Transmissions,
AAMCO Transmissions,: 6% · Christian Brothers Automotive: 50%
More lender financing options
AAMCO Transmissions,
AAMCO Transmissions,: 194 unique lenders · Christian Brothers Automotive: 44 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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AAMCO Transmissions, vs Christian Brothers Automotive: Franchise Funding Comparison
Comparing AAMCO Transmissions, and Christian Brothers Automotive is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $350K to $868K.
AAMCO Transmissions, has 584 SBA loans on record and Christian Brothers Automotive has 319. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
AAMCO Transmissions, vs Christian Brothers Automotive, Frequently Asked Questions
Which is a better franchise investment, AAMCO Transmissions, or Christian Brothers Automotive?
How much does a AAMCO Transmissions, franchise cost compared to Christian Brothers Automotive?
Can I finance AAMCO Transmissions, or Christian Brothers Automotive with an SBA loan?
Which has a lower SBA default rate, AAMCO Transmissions, or Christian Brothers Automotive?
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman