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. The capital source prices this risk into rate and structure.
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?
SBA Lending Activity in Automotive Body, Paint, and Interior Repair and Maintenance
1,386 SBA lenders have funded 13,969 loans to automotive body, paint, and interior repair and maintenance businesses (NAICS 811121). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.
Automotive Body, Paint, and Interior Repair and Maintenance Industry Context
Talk to PeerSense
PeerSense sources capital for automotive body, paint, and interior repair and maintenance businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Talk to PeerSense about financing a Automotive Body, Paint, and Interior Repair and Maintenance business.
Tell us your loan amount and use of funds. PeerSense sources capital. It is not the lender.
SBA 7(a) / 504: The desk will reach out. No obligation.
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.
Talk to PeerSense about a automotive body, paint, and interior repair and maintenance file. The capital source sets the terms. The desk fee is paid at closing, never upfront.
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?
Related Other Services Industries
General Automotive Repair
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Drycleaning and Laundry Services (except Coin-Operated)
Car Washes
All Other Personal Services
Other Personal Care Services
Data aggregated from SBA loan records (1992 to 2025). Automotive Body, Paint, and Interior Repair and Maintenance defined by NAICS code 811121. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.