Cottman Transmission and Total
The total investment to open a Cottman Transmission and Total franchise ranges from $324,000 to $1.7M. The initial franchise fee is $37,500. Ongoing royalties are 7.5%.
What is the Cottman Transmission and Total franchise?
Cottman Transmission and Total is a vehicle repair business focused on transmission and general automotive repairs. Estimated total initial investment ranges from $324,000 to $1,728,080, and the initial franchise fee is $37,500.
The ongoing royalty is 7.5 percent of sales.
The company is headquartered in Charlotte, North Carolina, and was founded in 1962.
Loan Activity Score
59/100
SBA Default Rate
0.0%
Active Lenders
4
According to its Franchise Disclosure Document or public business records, Cottman Transmission and Total has 5 locations, all owned by franchisees. Public SBA loan records show 4 lenders made 5 loans to franchisees of Cottman Transmission and Total. PeerSense calculates Cottman Transmission and Total's score as 59 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1962 · 5 locations
$324,000 to $1.7M
$37,500
5
5 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for Cottman Transmission and Total
5
Total SBA loans
$1.1M
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Cottman Transmission and Total
Loan Activity Score Breakdown
Emerging (3 to 9 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
0.0%
vs 10.8% peer avg
SBA Loans
5
Total Volume
$5.4M
Active Lenders
4
2 selective
States
3
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Cottman Transmission and Total based on SBA lending data
SBA Default Rate
0.0%
10.8% below peer avg
SBA Loan Volume
5 loans
Across 4 lenders
Lender Diversity
4 lenders
Avg 1.3 loans per lender
Investment Tier
Premium investment
$324,000 to $1,728,080 total
Cottman Transmission and Total: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2024
2 approvals. The best year on record for Cottman Transmission and Total.
Top SBA State
North Carolina
3 SBA financed Cottman Transmission and Total locations, the densest operator footprint.
Average Loan Size
$1.1M
Median $1.3M. Use as a sizing anchor when modeling your own Cottman Transmission and Total unit.
Lender Concentration
80%
Concentrated
Share of Cottman Transmission and Total approvals captured by the top 3 SBA lenders.
Cottman Transmission and Total's SBA lending pipeline peaked in 2024 (2 approvals). The last five fiscal years account for 80% of cumulative volume ($5.4M approved). Operator density is highest in North Carolina with 3 SBA financed locations. Average funded ticket sits at $1.1M, with the median at $1.3M. Lender mix is concentrated: the top three SBA lenders account for 80% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$3,354
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Cottman Transmission and Total, unit breakdown
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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