SBA lending record

Ray Automotive, LLC

2219 Hwy 45 North, Columbus, MS 39701 · Automotive Exhaust System Repair. The complete public SBA 7(a) record for this business — every loan, every field, the lender, and the map.

$420K

Total SBA financing

Loans on record

FY2020–21

On record

Jobs supported

Franchise brand

Midas

See Midas's SBA financing data — typical deal, failure rate, and how its loans perform →

● business — business location is the ZIP-area centroid from the public record

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All 2 loans

$150,000 — FY2021

Loan 1 of 2

Gross approval: $150,000
SBA guaranteed: $135,000 (90%)
Status: Paid in full
Rate at approval: 6% v
Term: 120 mo (10 yr)
Program: 7a General
Subprogram: Guaranty
Loan type: Term loan
Purpose: Other / working capital
Approved: 2/2/2021
First disbursement: 4/30/2021
Days to fund: 87 days
Paid in full: 3/31/2022
Collateral: Required
Jobs supported: 16
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Automotive Parts and Accessories Stores
NAICS code: 441310
Franchise: Midas
Franchise code: S1110
Lender: BNA Bank
Address: 2613 West Oxford Loop
City: Oxford, 38655
County: Lafayette
SBA district office: MISSISSIPPI DISTRICT OFFICE
Congressional district: 1

$270,000 — FY2020

Loan 2 of 2

Gross approval: $270,000
SBA guaranteed: $202,500 (75%)
Status: Paid in full
Rate at approval: 7.5% v
Term: 120 mo (10 yr)
Program: 7a General
Subprogram: Guaranty
Loan type: Term loan
Purpose: Business purchase
Approved: 2/6/2020
First disbursement: 4/30/2020
Days to fund: 84 days
Paid in full: 3/31/2022
Collateral: Required
Jobs supported: 8
Business type: Corporation
Business age: Change of Ownership
Industry: Automotive Exhaust System Repair
NAICS code: 811112
Franchise: Midas
Franchise code: S1110
Lender: BNA Bank
Address: 2219 Hwy 45 North
City: Columbus, 39701
County: Lowndes
SBA district office: MISSISSIPPI DISTRICT OFFICE
Congressional district: 1

The lender

BNA Bank

2 loans to this business

Find SBA lenders for businesses like this

The banks most active funding automotive exhaust system repair — by location, industry, and brand.

SBA lenders in Mississippi Lenders for automotive exhaust system repair Automotive Exhaust System Repair lenders in Mississippi Midas lenders Midas lenders in Mississippi

Other Midas locations

Other Midas businesses in the public SBA record — closest first, by location and deal size.

RDR Holdings, LLC

Fayetteville, AR· ~369 mi

Midas

$450K
SBA financing: ≈ $882K–$1.5M
Est. revenue (rough)

View record

Pride of Mundelein Automotive LLC

Long Grove, IL· ~608 mi

Midas

$327K
SBA financing: ≈ $641K–$1.1M
Est. revenue (rough)

View record

CM Kenosha Automotive LLC

Kenosha, WI· ~632 mi

Midas

$328K
SBA financing: ≈ $643K–$1.1M
Est. revenue (rough)

View record

Pride of Racine Automotive LLC

Mount Pleasant, WI· ~641 mi

Midas

$327K
SBA financing: ≈ $641K–$1.1M
Est. revenue (rough)

View record

Hanoray Inc

Fort Worth, TX· ~520 mi

Midas

$380K
SBA financing: ≈ $745K–$1.2M
Est. revenue (rough)

View record

Midas Auto Service & Tires

Huntsville, AL· ~147 mi

Midas

$800K
SBA financing: ≈ $1.6M–$2.6M
Est. revenue (rough)

View record

Similar businesses

Comparable automotive exhaust system repair in the public SBA 7(a) record — matched on industry, then location and deal size. Public records, not for-sale listings.

Walker Muffler & Brake LLC

Walker, LA· ~248 mi

Automotive Exhaust System Repair

$285K
SBA financing: ≈ $559K–$931K
Est. revenue (rough)

View record

T & E Holdings, LLC

Fenton, MO· ~365 mi

Meineke Car Care Center

$280K
SBA financing: ≈ $549K–$915K
Est. revenue (rough)

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Pineapple Phoenix, LLC

Phoenix, AZ· ~1363 mi

LINE-X

$347K
SBA financing: ≈ $679K–$1.1M
Est. revenue (rough)

View record

Styve Properties LLC

Shakopee, MN· ~825 mi

Automotive Exhaust System Repair

$810K
SBA financing: ≈ $1.6M–$2.6M
Est. revenue (rough)

View record

Auto Muffler Service, Inc

Eastpointe, MI· ~691 mi

Automotive Exhaust System Repair

$180K
SBA financing: ≈ $353K–$588K
Est. revenue (rough)

View record

Street Metal Classics LLC

Colorado Springs, CO· ~976 mi

Automotive Exhaust System Repair

$180K
SBA financing: ≈ $353K–$588K
Est. revenue (rough)

View record

Agent summary

This page summarizes the public SBA 7(a) lending record for Ray Automotive, LLC in Columbus, MS (Automotive Exhaust System Repair). CapBench compiles public SBA loan data, lender activity, and business signals to help buyers and advisors evaluate acquisition financing — it does not list this business for sale.

2 SBA 7(a) loans totaling $420K
On record FY2020–21
24 jobs supported
Industry: Automotive Exhaust System Repair
Location: Columbus, MS
Lender: BNA Bank

Buyers researching a deal like this usually check lender fit next: see the SBA lenders most active with Automotive Exhaust System Repair businesses in MS for ~$210k deals, then pre-qualify for 7(a) financing before making an offer. CapBench can arrange a lender introduction — free for buyers.

Next steps

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Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-23.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/businesses/ray-automotive-llc-ms
API:: https://www.capbench.com/api/public/businesses/ray-automotive-llc-ms
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.
Financing figures are historical loan records, not a current offer or a loan approval. CapBench is not a lender.

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CapBench listing built from public SBA 7(a) lending records. Figures are as reported; verify before relying on them. Not affiliated with Ray Automotive, LLC.