Which SBA program is best for Automotive Exhaust System Repair?

The SBA 7(a) program is the most commonly used for Automotive Exhaust System Repair businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 811112Other Services

How Much Can Automotive Exhaust System Repair Businesses Get in SBA Loans?

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1,444 SBA loans totaling $314.9M have been approved for automotive exhaust system repair businesses (NAICS 811112). The average approved SBA loan is $218K, which is 36% below avg the $340K national average. 345 active lenders fund this industry with a 15.6% default rate on the matured 2018-2021 loan cohort.

Above average default risk15.6% vs 15.4% all industry avg

At 15.6%, Automotive Exhaust System Repair sits above the 15.4% all industry SBA default rate (charged off as a share of resolved loans), above average default risk relative to other SBA industries. The capital source prices this risk into rate and structure.

Quick Answer

NAICS 811112 (Automotive Exhaust System Repair) received 1,444 SBA loans worth $314.9M across 5+ states. Average loan $218K, average term 147 months, 15.6% default rate (resolved loan basis).345 active SBA approved lenders fund this industry. Most automotive exhaust system repair loans use the SBA 7(a) program. There are approximately 1,407 U.S. establishments in this industry (Census 2022).

1,444

Total SBA Loans

$314.9M

Total Volume

$218K

Avg Loan Size

36% below avg

345

Active Lenders

147 mo

Avg Term

13% above avg

5,379

Jobs Supported

Is SBA Lending Growing for Automotive Exhaust System Repair?-83% decline

$4.0M

$759K

$402K

$2.8M

$962K

$4.2M

$1.7M

$605K

Which SBA Program Do Automotive Exhaust System Repair Businesses Use Most?

SBA 7(a)1,291 (89%)

SBA 504153 (11%)

What Is the Best SBA Loan for Automotive Exhaust System Repair?

SBA 7(a)

The most widely used SBA program for automotive exhaust system repair businesses: flexible terms, multiple use cases

Industry avg loan: $218K

Typical term: 147 months

Historical avg rate: 6.42%

345+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 15.6%

Where Are Automotive Exhaust System Repair SBA Loans Most Common?

180 loans

$45.6M

135 loans

$29.7M

114 loans

$23.2M

67 loans

$11.4M

60 loans

$9.7M

SBA Lending Activity in Automotive Exhaust System Repair

345 SBA lenders have funded 1,444 loans to automotive exhaust system repair businesses (NAICS 811112). 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.

Loans funded

1,444

Active lenders

345

Total volume

$314.9M

Avg loan size

$218K

Browse all SBA lenders

Automotive Exhaust System Repair Industry Context

U.S. Establishments

1,407

U.S. Census Bureau · 2022

SBA Penetration

102.63%

SBA loans per establishment

Talk to PeerSense

PeerSense sources capital for automotive exhaust system repair businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Automotive Exhaust System Repair business.

Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.

SBA 7(a) / 504: PeerSense will reach out. No obligation.

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Where are you in the deal?

Equity or down payment ready

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How Does SBA Lending Work for Automotive Exhaust System Repair Businesses?

Across all SBA loan programs, 1,444 loans have been approved for businesses classified under NAICS 811112 (Automotive Exhaust System Repair), representing $314.9M in total capital deployed. The average approved loan of $218K is 36% below avg the national SBA average of $340K, with typical repayment terms of 147 months.

SBA lending for automotive exhaust system repair has contracted approximately 83% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 345 lenders remain active, maintaining competitive options for qualified borrowers.

The industry sees a balanced mix of SBA programs, with 11% 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 exhaust system repair file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: Automotive Exhaust System Repair SBA Loans

What is the average SBA loan size for automotive exhaust system repair businesses?

Based on 1,444 approved SBA loans, the average loan size for automotive exhaust system repair (NAICS 811112) is $218K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a automotive exhaust system repair business?

SBA 7(a) is the most commonly used SBA program for automotive exhaust system repair businesses. The most widely used SBA program for automotive exhaust system repair businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for automotive exhaust system repair?

345 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a automotive exhaust system repair file.

What states have the most SBA lending for automotive exhaust system repair?

CA leads with 180 SBA loans and $45.6M in total volume for automotive exhaust system repair businesses. IL, TX, OH also show strong lending activity in this sector.

How does PeerSense help automotive exhaust system repair businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a automotive exhaust system repair file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

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Data aggregated from SBA loan records (1992 to 2025). Automotive Exhaust System Repair defined by NAICS code 811112. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.