How Much Can Automotive Transmission Repair Businesses Get in SBA Loans?
1,820 SBA loans totaling $348.0M have been approved for automotive transmission repair businesses (NAICS 811113). The average approved SBA loan is $191K, which is 44% below avg the $340K national average. 380 active lenders fund this industry with a 23.3% default rate on the matured 2018-2021 loan cohort.
At 23.3%, Automotive Transmission Repair sits well above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — elevated 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 811113 (Automotive Transmission Repair) received 1,820 SBA loans worth $348.0M across 5+ states. Average loan $191K, average term 131 months, 23.3% default rate (resolved-loan basis).380 active SBA-approved lenders fund this industry. Most automotive transmission repair loans use the SBA 7(a) program. There are approximately 3,675 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Automotive Transmission Repair?-71% decline
Which SBA Program Do Automotive Transmission Repair Businesses Use Most?
What Is the Best SBA Loan for Automotive Transmission Repair?
The most widely used SBA program for automotive transmission repair businesses — flexible terms, multiple use cases
Where Are Automotive Transmission Repair SBA Loans Most Common?
Top SBA Lenders for Automotive Transmission Repair
These banks have funded the most SBA loans for automotive transmission repair businesses (NAICS 811113). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 119 | $23.4M |
| 2 | Bank of America, National Association(NC) | 114 | $8.8M |
| 3 | PNC Bank, National Association(DE) | 97 | $14.6M |
| 4 | JPMorgan Chase Bank, National Association(OH) | 85 | $10.1M |
| 5 | Readycap Lending, LLC(NJ) | 67 | $16.0M |
Automotive Transmission Repair Industry Context
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How Does SBA Lending Work for Automotive Transmission Repair Businesses?
Across all SBA loan programs, 1,820 loans have been approved for businesses classified under NAICS 811113 (Automotive Transmission Repair), representing $348.0M in total capital deployed. The average approved loan of $191K is 44% below avg the national SBA average of $340K, with typical repayment terms of 131 months.
SBA lending for automotive transmission repair has contracted approximately 71% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 380 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 6% 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 transmission 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 Transmission Repair SBA Loans
What is the average SBA loan size for automotive transmission repair businesses?
Which SBA loan program is best for a automotive transmission repair business?
How many lenders fund SBA loans for automotive transmission repair?
What states have the most SBA lending for automotive transmission repair?
How does PeerSense help automotive transmission repair businesses get SBA loans?
Related Other Services Industries
General Automotive Repair
Beauty Salons
Drycleaning and Laundry Services (except Coin-Operated)
Automotive Body, Paint, and Interior Repair and Maintenance
Car Washes
All Other Personal Services
Data aggregated from SBA loan records (1992–2025). Automotive Transmission Repair defined by NAICS code 811113. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.