How Much Can Automotive Parts and Accessories Stores Businesses Get in SBA Loans?
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 18.6% default rate on the matured 2018-2021 loan cohort.
At 18.6%, Automotive Parts and Accessories Stores 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 441310 (Automotive Parts and Accessories Stores) received 6,614 SBA loans worth $1.7B across 5+ states. Average loan $258K, average term 128 months, 18.6% default rate (resolved-loan basis).907 active SBA-approved lenders fund this industry. Most automotive parts and accessories stores loans use the SBA 7(a) program. There are approximately 38,760 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Automotive Parts and Accessories Stores?-80% decline
Which SBA Program Do Automotive Parts and Accessories Stores Businesses Use Most?
What Is the Best SBA Loan for Automotive Parts and Accessories Stores?
The most widely used SBA program for automotive parts and accessories stores businesses: flexible terms, multiple use cases
Where Are Automotive Parts and Accessories Stores SBA Loans Most Common?
SBA Lending Activity in Automotive Parts and Accessories Stores
907 SBA lenders have funded 6,614 loans to automotive parts and accessories stores businesses (NAICS 441310). 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 Parts and Accessories Stores Industry Context
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How Does SBA Lending Work for Automotive Parts and Accessories Stores Businesses?
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.
Frequently Asked Questions: Automotive Parts and Accessories Stores SBA Loans
What is the average SBA loan size for automotive parts and accessories stores businesses?
Which SBA loan program is best for a automotive parts and accessories stores business?
How many lenders fund SBA loans for automotive parts and accessories stores?
What states have the most SBA lending for automotive parts and accessories stores?
How does PeerSense help automotive parts and accessories stores businesses get SBA loans?
Related Retail Trade Industries
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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.