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Big O Tires, by the numbers

Big O Tires appears in 63 SBA 7(a) loans since 2020, with a 0% cohort charge-off (failure) rate — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S0216)

63 deals since 2020 · typical deal $780K · 0% failure rate

63

Deals since 2020

$780K

Typical deal

8

Deals since FY2025

0%

Failure rate (FY20–23)

Big O Tires buyers almost always make it — a 0% failure rate puts it among the safest franchise bets on record.

What buyers pay for Big O Tires

Most Big O Tires deals financed between $350K and $1.83M. Above $1.83M, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$10,200
Down payment (10%)
$87K
Cash to close (all-in)
$119K

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 ~$119K)

Experience

Recent financings

  • Jacet Ops LLC in Hobbs, NM — $3.1M (2025) · Live Oak Banking Company
  • Triple P Services Inc in Muncie, IN — $2.7M (2025) · purchase · Citizens Bank
  • Dohn and Burch Tires Inc in Madison, IN — $1.2M (2025) · purchase · The New Washington State Bank
  • Big O Tires in Oroville, CA — $1.0M (2025) · purchase · Readycap Lending, LLC
  • E & E HOLDINGS CAREFREE, LLC in Cave Creek, AZ — $500K (2025) · Live Oak Banking Company
  • CGM Automotive Services LLC in Carrollton, TX — $467K (2025) · Banc of California
  • BIG O TIRES - MARYSVILLE, WA in Marysville, WA — $250K (2025) · Live Oak Banking Company
  • Broadus Management, LLC in Sellersburg, IN — $100K (2025) · Stock Yards Bank & Trust Company
  • Deeptan Stores LLC in Chico, CA — $540K (2024) · Wells Fargo Bank National Association
  • HMB2 Real Estate Holdings, LLC in Pueblo, CO — $982K (2023) · PBandT Bank

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Big O Tires brand mark

Who funds Big O Tires — and where

Every dot is a financed Big O Tires — 63 mapped.

Financed Big O Tires locations — list all 63 as text

Top lenders for this brand

  1. 1.Live Oak Banking Company(26)
  2. 2.Wells Fargo Bank National Association(4)
  3. 3.Five Star Bank(3)
  4. 4.United Business Bank(3)
  5. 5.Zions Bank, A Division of(3)

Most active states

  1. 1.California (20 loans)Big O Tires lenders in California->
  2. 2.Arizona (8 loans)Big O Tires lenders in Arizona->
  3. 3.Utah (7 loans)Big O Tires lenders in Utah->
  4. 4.Colorado (7 loans)Big O Tires lenders in Colorado->
  5. 5.Indiana (6 loans)Big O Tires lenders in Indiana->
  6. 6.New Mexico (4 loans)Big O Tires lenders in New Mexico->
  7. 7.Nevada (4 loans)Big O Tires lenders in Nevada->
  8. 8.Washington (2 loans)Big O Tires lenders in Washington->

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Common questions

How much does a Big O Tires cost to buy or open?

The typical deal for Big O Tires is $780K across 63 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $86K of buyer cash on a typical deal.

How risky is Big O Tires?

0% of Big O Tires's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.

Can I finance a Big O Tires with an SBA loan?

Yes — Big O Tires has been SBA-financed 8 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Big O Tires franchise

Most Big O Tires 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 Big O Tires deal financed for $780K, which points to about $86K of buyer cash on a typical purchase. Big O Tires is listed in the SBA Franchise Directory (identifier S0216), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Big O Tires — 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 Big O Tires — 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 Big O Tires — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Big O Tires is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 63 SBA 7(a) deals since 2020
  • $780K typical deal
  • 8 deals since FY2025
  • 0% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S0216)
  • Top lenders: Live Oak Banking Company, Wells Fargo Bank National Association, Five Star Bank

Next steps

Check SBA fitFind SBA lenders$9 lender report
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-07-24.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/big-o-tires
API:
https://www.capbench.com/api/public/franchises/big-o-tires
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 Big O Tires.

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