6,614 SBA loans totaling $1.7B have been approved for automotive parts and accessories stores businesses (NAICS 441310). The average approved SBA loan is $258K, which is 24% below avg the $340K national average. 907 active lenders fund this industry with a 14.5% historical default rate.
The most widely used SBA program for automotive parts and accessories stores businesses — flexible terms, multiple use cases
PeerSense places SBA loans for automotive parts and accessories stores businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Across all SBA loan programs, 6,614 loans have been approved for businesses classified under NAICS 441310 (Automotive Parts and Accessories Stores), representing $1.7B in total capital deployed. The average approved loan of $258K is 24% below avg the national SBA average of $340K, with typical repayment terms of 128 months.
SBA lending for automotive parts and accessories stores has contracted approximately 80% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 907 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 12% 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 parts and accessories stores 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.
Gasoline Stations with Convenience Stores
Beer, Wine, and Liquor Stores
Supermarkets and Other Grocery (except Convenience) Stores
Convenience Stores
Used Car Dealers
Pharmacies and Drug Stores
Data aggregated from SBA loan records (1992–2025). Automotive Parts and Accessories Stores defined by NAICS code 441310. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.