SouthState Bank, National Association Express Oil Changetire Engine SBA Loans — 3 Loans Funded
Data from 2019–2020 · Updated March 2026
SouthState Bank, National Association has funded 3 SBA loans to Express Oil Changetire Engine franchisees, totaling $7.2M in approved financing.
The average Express Oil Changetire Engine loan from SouthState Bank, National Association is $2.4M with a 5.83% average interest rate and an average term of 306 months.SouthState Bank, National Association has funded Express Oil Changetire Engine locations across 1 states. The default rate is 0% based on 1 resolved loans — significantly below the SBA portfolio average, indicating strong loan performance.
Looking to fund a Express Oil Changetire Engine franchise?
SouthState Bank, National Association is one of 3+ lenders who have funded Express Oil Changetire Engine. We can help you compare options and connect with lenders experienced in this brand — no retainers, referral fee at closing.
SouthState Bank, National Association Express Oil Changetire Engine Loan Performance Analysis
Based on our analysis of 3 SBA loans originated by SouthState Bank, National Association for Express Oil Changetire Engine franchisees, the lending relationship between these two entities spans 2019–2020. Of 1 resolved loans, 1 were paid in full and 0 resulted in chargeoffs.
The loan size range extends from $2.4M to $2.4M, indicating SouthState Bank, National Association funds both smaller single-unit Express Oil Changetire Engine operations and larger multi-unit or renovation projects. Each loan supports an average of 21 jobs.
The 0% default rate is a strong indicator of loan quality. This suggestsSouthState Bank, National Association has effective underwriting standards for Express Oil Changetire Engine deals and/or Express Oil Changetire Engine franchisees have strong unit economics that support debt service. For prospective borrowers, this is an encouraging signal — SouthState Bank, National Associationunderstands the Express Oil Changetire Engine business model and has a track record of successful outcomes.
SBA Programs Used for Express Oil Changetire Engine Loans
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 3 | $2.4M | 5.83% | 306 mo |
All 3 loans from SouthState Bank, National Association to Express Oil Changetire Engine were through the SBA 7A program. The 7(a) program is the SBA's primary business loan program, offering up to $5 million with terms up to 25 years for real estate and 10 years for equipment and working capital.
Where SouthState Bank, National Association Funds Express Oil Changetire Engine Franchises
| State | Loans | Avg Loan Size | Total Volume |
|---|---|---|---|
| Florida | 3 | $2.4M | $7.2M |
SouthState Bank, National Association has the strongest Express Oil Changetire Engine lending presence in Florida (3 loans).
SouthState Bank, National Association Express Oil Changetire Engine Lending Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2020 | 3 | $2.4M | $7.2M | 5.83% |
SouthState Bank, National Association's lending to Express Oil Changetire Engine franchisees spans from 2020 to 2020. Lending activity has been relatively stable over the observed period.
Other Lenders That Fund Express Oil Changetire Engine Franchises
SouthState Bank, National Association is not the only lender who has funded Express Oil Changetire Engine. Compare 2 other banks who have originated 3+ SBA loans to Express Oil Changetire Engine franchisees.
| Lender | Loans | Avg Size | Default Rate |
|---|---|---|---|
| SouthState Bank, National Association (this page) | 3 | $2.4M | 0% — Low Risk |
| PNC Bank, National Association | 3 | $2.5M | 0% — Low Risk |
| Florida First Capital Finance | 3 | $1.2M | N/A |
When evaluating lenders for your Express Oil Changetire Engine franchise, consider both loan volume (indicating experience with the brand) and default rate (indicating underwriting quality). A lender with more Express Oil Changetire Engine experience may close faster and understand the brand's unit economics better. A lower default rate suggests more successful outcomes for borrowers.
Other Franchises Funded by SouthState Bank, National Association
SouthState Bank, National Association is active in franchise lending beyond Express Oil Changetire Engine. Here are the other franchise brands they have funded most frequently.
How to Get an SBA Loan for a Express Oil Changetire Engine Franchise
If you're considering a Express Oil Changetire Engine franchise and want to finance through SouthState Bank, National Association or another SBA lender, here's what you need to know based on our analysis of 3 historical loans.
Verify Your Qualifications
Most SBA franchise loans require a 680+ credit score, 20-30% down payment, and relevant industry or management experience.Express Oil Changetire Engine's franchise fee and total investment determine minimum capital requirements.
Compare Lenders
3 lenders have funded Express Oil Changetire Engine with 3+ SBA loans. Lenders with more Express Oil Changetire Engine experience typically close faster because they understand the brand's unit economics. Compare rates, default rates, and geographic coverage above.
Get Pre-Qualified
PeerSense matches borrowers with lenders who have a proven track record funding their specific franchise brand. No retainers — our referral fee is paid at closing. Get matched in 24 hours.
Expected loan terms based on historical data: The average Express Oil Changetire Engine SBA loan from SouthState Bank, National Association is $2.4M with a 5.83% interest rate and a 306-month term. Loan amounts range from $2.4M to $2.4M depending on the specific project (new build, acquisition, refinance, or renovation).
What makes a strong application: Lenders who have funded Express Oil Changetire Engine before look for borrowers with strong personal credit, adequate liquidity beyond the down payment (typically 6-12 months of debt service reserves), and either direct franchise experience or transferable management skills. Having a signed franchise agreement or LOI strengthens your application significantly.
Ready to Fund Your Express Oil Changetire Engine Franchise?
We connect you with lenders who have already funded Express Oil Changetire Engine — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.