How Much Can Automotive Body, Paint, and Interior Repair and Maintenance Businesses Get in SBA Loans?
13,969 SBA loans totaling $4.5B have been approved for automotive body, paint, and interior repair and maintenance businesses (NAICS 811121). The average approved SBA loan is $326K, which is 4% below avg the $340K national average. 1386 active lenders fund this industry with a 12.9% default rate on the matured 2018-2021 loan cohort.
At 12.9%, Automotive Body, Paint, and Interior Repair and Maintenance sits below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans), moderate default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 811121 (Automotive Body, Paint, and Interior Repair and Maintenance) received 13,969 SBA loans worth $4.5B across 5+ states. Average loan $326K, average term 160 months, 12.9% default rate (resolved-loan basis).1386 active SBA-approved lenders fund this industry. Most automotive body, paint, and interior repair and maintenance loans use the SBA 7(a) program.
Is SBA Lending Growing for Automotive Body, Paint, and Interior Repair and Maintenance?+63% growth
Which SBA Program Do Automotive Body, Paint, and Interior Repair and Maintenance Businesses Use Most?
What Is the Best SBA Loan for Automotive Body, Paint, and Interior Repair and Maintenance?
The most widely used SBA program for automotive body, paint, and interior repair and maintenance businesses: flexible terms, multiple use cases
Where Are Automotive Body, Paint, and Interior Repair and Maintenance SBA Loans Most Common?
Top SBA Lenders for Automotive Body, Paint, and Interior Repair and Maintenance
These banks have funded the most SBA loans for automotive body, paint, and interior repair and maintenance businesses (NAICS 811121). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 881 | $296.0M |
| 2 | Bank of America, National Association(NC) | 704 | $57.6M |
| 3 | U.S. Bank, National Association(OH) | 590 | $202.6M |
| 4 | JPMorgan Chase Bank, National Association(OH) | 435 | $69.9M |
| 5 | Citizens Bank, National Association(RI) | 424 | $25.9M |
Automotive Body, Paint, and Interior Repair and Maintenance Industry Context
Ready to Fund Your Automotive Body, Paint, and Interior Repair and Maintenance Business?
PeerSense places SBA loans for automotive body, paint, and interior repair and maintenance businesses nationwide. We match you with the right capital source. Referral fee at closing.
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How Does SBA Lending Work for Automotive Body, Paint, and Interior Repair and Maintenance Businesses?
Across all SBA loan programs, 13,969 loans have been approved for businesses classified under NAICS 811121 (Automotive Body, Paint, and Interior Repair and Maintenance), representing $4.5B in total capital deployed. The average approved loan of $326K is 4% below avg the national SBA average of $340K, with typical repayment terms of 160 months.
SBA lending for automotive body, paint, and interior repair and maintenance is accelerating. Loan volume has grown approximately 63% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.
The industry sees a balanced mix of SBA programs, with 17% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.
PeerSense specializes in matching automotive body, paint, and interior repair and maintenance business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms. Our referral fee is established upfront and paid at closing.
Frequently Asked Questions: Automotive Body, Paint, and Interior Repair and Maintenance SBA Loans
What is the average SBA loan size for automotive body, paint, and interior repair and maintenance businesses?
Which SBA loan program is best for a automotive body, paint, and interior repair and maintenance business?
How many lenders fund SBA loans for automotive body, paint, and interior repair and maintenance?
What states have the most SBA lending for automotive body, paint, and interior repair and maintenance?
How does PeerSense help automotive body, paint, and interior repair and maintenance businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Automotive Body, Paint, and Interior Repair and Maintenance defined by NAICS code 811121. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.