NAPA Auto Parts
The total investment to open a NAPA Auto Parts franchise ranges from $75,000 to $850,000. The initial franchise fee is $0.
What is the NAPA Auto Parts franchise?
NAPA Auto Parts sells replacement parts and accessories to drivers who work on their own vehicles and to repair shops. The estimated total initial investment to open ranges from $75,000 to $850,000.
The company is headquartered in Atlanta, Georgia. It was founded in 1925 and began franchising in 1936.
Loan Activity Score
43/100
SBA Default Rate
6.7%
Active Lenders
131
According to its Franchise Disclosure Document or public business records, NAPA Auto Parts has 215 locations, all owned by franchisees. Public SBA loan records show 131 lenders made 193 loans to franchisees of NAPA Auto Parts. PeerSense calculates NAPA Auto Parts's score as 43 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1925 · 215 locations
$75,000 to $850,000
$0
215
215 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for NAPA Auto Parts
193
Total SBA loans
$319K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for NAPA Auto Parts
Loan Activity Score Breakdown
Major Brand (100+ 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
6.7%
vs 10.8% peer avg
SBA Loans
193
Total Volume
$61.6M
Active Lenders
131
6 selective
States
42
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 NAPA Auto Parts based on SBA lending data
SBA Default Rate
6.7%
4.1% below peer avg
SBA Loan Volume
193 loans
Across 131 lenders
Lender Diversity
131 lenders
Avg 1.5 loans per lender
Investment Tier
Significant investment
$75,000 to $850,000 total
NAPA Auto Parts: 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
2014
23 approvals. The best year on record for NAPA Auto Parts.
Top SBA State
Minnesota
29 SBA financed NAPA Auto Parts locations, the densest operator footprint.
Average Loan Size
$342K
Median $240K. Use as a sizing anchor when modeling your own NAPA Auto Parts unit.
Lender Concentration
11%
Highly Diversified
Share of NAPA Auto Parts approvals captured by the top 3 SBA lenders.
NAPA Auto Parts's SBA lending pipeline peaked in 2014 (23 approvals). Operator density is highest in Minnesota with 29 SBA financed locations. Average funded ticket sits at $342K, with the median at $240K. Lender mix is highly diversified: the top three SBA lenders account for 11% of approvals. Borrowers have leverage to shop multiple credit boxes.
Payment Estimator
Estimated Monthly Payment
$776
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
NAPA Auto Parts, 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