Auto Check, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S3958)
5 deals since 2020 · typical deal $350K
5
Deals since 2020
$350K
Typical deal
3
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Auto Check
Most Auto Check deals financed between $150K and $350K. Above $350K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $4,871
- Down payment (10%)
- $39K
- Cash to close (all-in)
- $52K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$52K)
Experience
Recent financings
- ZUBIA ELITE LLC in Katy, TX — $1.1M (2025) · purchase · American Momentum Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $849K (75%)
- Approval → funding
- 8 days
- Approved
- 4/15/2025
- First disbursed
- 4/23/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- General Automotive Repair
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $126K
- Est. cash at closing
- $172K
- Monthly payment
- $14,648
- Annual debt service
- $176K
- Cash flow needed (1.25×)
- $220K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by American Momentum Bank · Lender record →
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- ZUBIA ELITE LLC in Katy, TX — $150K (2025) · purchase · American Momentum Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (50%)
- Approval → funding
- 8 days
- Approved
- 4/15/2025
- First disbursed
- 4/23/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- General Automotive Repair
If you were the buyer here
- Est. deal size
- $167K
- Est. down payment (10%)
- $17K
- Est. cash at closing
- $21K
- Monthly payment
- $1,941
- Annual debt service
- $23K
- Cash flow needed (1.25×)
- $29K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by American Momentum Bank · Lender record →
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- SVAUTO LLC in Richmond, TX — $150K (2025) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 12.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 1 days
- Approved
- 10/31/2024
- First disbursed
- 11/1/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- General Automotive Repair
Funded by BayFirst National Bank · Lender record →
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- Chenab Traders, LLC in Houston, TX — $350K (2021) · Wallis Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 12/16/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Existing or more than 2 years old
- Industry
- General Automotive Repair
Funded by Wallis Bank · Lender record →
Your business? Claim this record · Request removal
- Chenab Traders, LLC in Houston, TX — $350K (2021) · Wallis Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 94 months
- SBA guaranteed
- $315K (90%)
- Approval → funding
- 14 days
- Approved
- 3/17/2021
- First disbursed
- 3/31/2021
- Loan status
- Failed — $295K charged off (3/18/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- General Automotive Repair
Funded by Wallis Bank · Lender record →
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Who funds Auto Check — and where
Every dot is a financed Auto Check — 5 mapped.
Financed Auto Check locations — list all 5 as text
- Chenab Traders, LLC — Houston · $350K · FY2021 · General Automotive Repair
- Chenab Traders, LLC — Houston · $350K · FY2021 · General Automotive Repair
- ZUBIA ELITE LLC — Katy · $1.1M · FY2025 · General Automotive Repair
- ZUBIA ELITE LLC — Katy · $150K · FY2025 · General Automotive Repair
- SVAUTO LLC — Richmond · $150K · FY2025 · General Automotive Repair
Top lenders for this brand
Most active states
- 1.Texas (5 loans)
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Common questions
How much does a Auto Check cost to buy or open?
The typical deal for Auto Check is $350K across 5 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $39K of buyer cash on a typical deal.
How risky is Auto Check?
Auto Check has 5 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a Auto Check with an SBA loan?
Yes — Auto Check has been SBA-financed 3 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Auto Check franchise
Most Auto Check buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Auto Check deal financed for $350K, which points to about $39K of buyer cash on a typical purchase. Auto Check is listed in the SBA Franchise Directory (identifier S3958), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Auto Check — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for Auto Check — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for Auto Check — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Auto Check is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 5 SBA 7(a) deals since 2020
- $350K typical deal
- 3 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S3958)
- Top lenders: Wallis Bank, American Momentum Bank, BayFirst National Bank
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- 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 SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Auto Check.