How Much Can Automotive Exhaust System Repair Businesses Get in SBA Loans?
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.
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. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
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).
Is SBA Lending Growing for Automotive Exhaust System Repair?-83% decline
Which SBA Program Do Automotive Exhaust System Repair Businesses Use Most?
What Is the Best SBA Loan for Automotive Exhaust System Repair?
The most widely used SBA program for automotive exhaust system repair businesses — flexible terms, multiple use cases
Where Are Automotive Exhaust System Repair SBA Loans Most Common?
Top SBA Lenders for Automotive Exhaust System Repair
These banks have funded the most SBA loans for automotive exhaust system repair businesses (NAICS 811112). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 173 | $45.5M |
| 2 | Readycap Lending, LLC(NJ) | 144 | $44.1M |
| 3 | Bank of America, National Association(NC) | 71 | $5.9M |
| 4 | PNC Bank, National Association(DE) | 54 | $10.2M |
| 5 | U.S. Bank, National Association(OH) | 52 | $9.4M |
Automotive Exhaust System Repair Industry Context
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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.
PeerSense specializes in matching automotive exhaust system repair 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. No retainers.
Frequently Asked Questions — Automotive Exhaust System Repair SBA Loans
What is the average SBA loan size for automotive exhaust system repair businesses?
Which SBA loan program is best for a automotive exhaust system repair business?
How many lenders fund SBA loans for automotive exhaust system repair?
What states have the most SBA lending for automotive exhaust system repair?
How does PeerSense help automotive exhaust system repair businesses get SBA loans?
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All Other Personal Services
Data aggregated from SBA loan records (1992–2025). Automotive Exhaust System Repair defined by NAICS code 811112. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.