Tire Factory/Point S
The total investment to open a Tire Factory/Point S franchise ranges from $61,600 to $1.0M. The initial franchise fee is $35,000.
What is the Tire Factory/Point S franchise?
Tire Factory/Point S is a general automotive repair business that provides tire and vehicle repair services to drivers. The estimated total initial investment is $61,600 to $1,000,900, and the initial franchise fee is $35,000.
The brand’s headquarters are in SAINT ANTHONY, ID.
Loan Activity Score
51/100
SBA Default Rate
0.0%
Active Lenders
7
According to its Franchise Disclosure Document or public business records, Tire Factory/Point S has 10 locations, all owned by franchisees. Public SBA loan records show 7 lenders made 13 loans to franchisees of Tire Factory/Point S. PeerSense calculates Tire Factory/Point S's score as 51 out of 100, using public SBA loan performance and recent lending activity.
10 locations
$61,600 to $1.0M
$35,000
10
10 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for Tire Factory/Point S
13
Total SBA loans
$565K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Tire Factory/Point S
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
13
Total Volume
$7.3M
Active Lenders
7
States
5
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 Tire Factory/Point S based on SBA lending data
SBA Default Rate
0.0%
10.8% below peer avg
SBA Loan Volume
13 loans
Across 7 lenders
Lender Diversity
7 lenders
Avg 1.9 loans per lender
Investment Tier
Significant investment
$61,600 to $1,000,900 total
Tire Factory/Point S: 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
2022
3 approvals. The best year on record for Tire Factory/Point S.
Top SBA State
Utah
4 SBA financed Tire Factory/Point S locations, the densest operator footprint.
Average Loan Size
$565K
Median $444K. Use as a sizing anchor when modeling your own Tire Factory/Point S unit.
Lender Concentration
61.5%
Concentrated
Share of Tire Factory/Point S approvals captured by the top 3 SBA lenders.
Tire Factory/Point S's SBA lending pipeline peaked in 2022 (3 approvals). The last five fiscal years account for 54% of cumulative volume ($2.4M approved). Operator density is highest in Utah with 4 SBA financed locations. Average funded ticket sits at $565K, with the median at $444K. Lender mix is concentrated: the top three SBA lenders account for 61.5% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$638
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
Tire Factory/Point S, 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