Miracle Auto Paint & Body Repa
The total investment to open a Miracle Auto Paint & Body Repa franchise ranges from $60,000 to $463,500.
What is the Miracle Auto Paint & Body Repa franchise?
Miracle Auto Paint & Body Repa is an automotive repair business that paints vehicles and repairs body and interior damage. Its estimated total initial investment is $60,000 to $463,500.
The company is headquartered in SAN JOSE, CA and was founded in 1953.
Loan Activity Score
46/100
SBA Default Rate
0.0%
Active Lenders
9
According to its Franchise Disclosure Document or public business records, Miracle Auto Paint & Body Repa has 11 locations, all owned by franchisees. Public SBA loan records show 9 lenders made 11 loans to franchisees of Miracle Auto Paint & Body Repa. PeerSense calculates Miracle Auto Paint & Body Repa's score as 46 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1953 · 11 locations
$60,000 to $463,500
11
11 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Miracle Auto Paint & Body Repa
11
Total SBA loans
$210K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Miracle Auto Paint & Body Repa
Loan Activity Score Breakdown
Growing (10 to 24 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
11
Total Volume
$2.3M
Active Lenders
9
1 selective
States
4
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 Miracle Auto Paint & Body Repa based on SBA lending data
SBA Default Rate
0.0%
10.8% below peer avg
SBA Loan Volume
11 loans
Across 9 lenders
Lender Diversity
9 lenders
Avg 1.2 loans per lender
Investment Tier
Mid range investment
$60,000 to $463,500 total
Miracle Auto Paint & Body Repa: 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
2002
3 approvals. The best year on record for Miracle Auto Paint & Body Repa.
Top SBA State
California
5 SBA financed Miracle Auto Paint & Body Repa locations, the densest operator footprint.
Average Loan Size
$210K
Median $170K. Use as a sizing anchor when modeling your own Miracle Auto Paint & Body Repa unit.
Lender Concentration
45.5%
Concentrated
Share of Miracle Auto Paint & Body Repa approvals captured by the top 3 SBA lenders.
Miracle Auto Paint & Body Repa's SBA lending pipeline peaked in 2002 (3 approvals). Operator density is highest in California with 5 SBA financed locations. Average funded ticket sits at $210K, with the median at $170K. Lender mix is concentrated: the top three SBA lenders account for 45.5% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$621
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
Miracle Auto Paint & Body Repa, 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