Black Optix Tint, 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 S8623)
11 deals since 2020 · typical deal $195K
11
Deals since 2020
$195K
Typical deal
6
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Black Optix Tint
Most Black Optix Tint deals financed between $30K and $227K. Above $227K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $2,883
- Down payment (10%)
- $22K
- Cash to close (all-in)
- $29K
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 ~$29K)
Experience
Recent financings
- Black Optix Tint (Carrollton- TX) in Carrollton, TX — $293K (2026) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $220K (75%)
- Approved
- 2/20/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Body, Paint, and Interior Repair and Maintenance
Funded by First Bank of the Lake · Lender record →
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- Top Gun Advisors LLC in Osprey, FL — $212K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $159K (75%)
- Approval → funding
- 14 days
- Approved
- 1/16/2026
- First disbursed
- 1/30/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Glass Replacement Shops
Funded by The Huntington National Bank · Lender record →
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- Top Gun Advisors LLC in Osprey, FL — $50K (2026) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 1/16/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Glass Replacement Shops
Funded by The Huntington National Bank · Lender record →
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- ETTA EARL LLC in Pensacola, FL — $227K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 108 mo (9 yrs)
- SBA guaranteed
- $170K (75%)
- Approval → funding
- 81 days
- Approved
- 7/25/2025
- First disbursed
- 10/14/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Body, Paint, and Interior Repair and Maintenance
Funded by The Huntington National Bank · Lender record →
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- BMC Automotive LLC in Round Rock, TX — $195K (2025) · Magnifi Financial CU
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $146K (75%)
- Approval → funding
- 7 days
- Approved
- 4/11/2025
- First disbursed
- 4/18/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Glass Replacement Shops
Funded by Magnifi Financial CU · Lender record →
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- ETTA EARL LLC in Pensacola, FL — $30K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $15K (50%)
- Approval → funding
- 180 days
- Approved
- 7/25/2025
- First disbursed
- 1/21/2026
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Body, Paint, and Interior Repair and Maintenance
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- ELMCO ENTERPRISES, LLC in Galveston, TX — $300K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 52 days
- Approved
- 8/20/2024
- First disbursed
- 10/11/2024
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Body, Paint, and Interior Repair and Maintenance
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Black Optix Tint in Cedar Park, TX — $216K (2024) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $162K (75%)
- Approval → funding
- 9 days
- Approved
- 3/12/2024
- First disbursed
- 3/21/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Glass Replacement Shops
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- Black Optix Tint - Wilmington in Wilmington, NC — $150K (2024) · Bank Five Nine
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 45 days
- Approved
- 2/6/2024
- First disbursed
- 3/22/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Glass Replacement Shops
Funded by Bank Five Nine · Lender record →
Your business? Claim this record · Request removal
- ELMCO ENTERPRISES, LLC in Galveston, TX — $30K (2024) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $15K (50%)
- Approval → funding
- 393 days
- Approved
- 8/20/2024
- First disbursed
- 9/17/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Body, Paint, and Interior Repair and Maintenance
Funded by The Huntington National Bank · Lender record →
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Who funds Black Optix Tint — and where
Every dot is a financed Black Optix Tint — 11 mapped.
Financed Black Optix Tint locations — list all 11 as text
- ETTA EARL LLC — Pensacola · $30K · FY2025 · Automotive Body, Paint, and Interior Repair and Maintenance
- ETTA EARL LLC — Pensacola · $227K · FY2025 · Automotive Body, Paint, and Interior Repair and Maintenance
- Top Gun Advisors LLC — Osprey · $50K · FY2026 · Automotive Glass Replacement Shops
- Top Gun Advisors LLC — Osprey · $212K · FY2026 · Automotive Glass Replacement Shops
- Black Optix Tint (Carrollton- TX) — Carrollton · $293K · FY2026 · Automotive Body, Paint, and Interior Repair and Maintenance
- BMC Automotive LLC — Round Rock · $195K · FY2025 · Automotive Glass Replacement Shops
- Black Optix Tint - Wilmington — Wilmington · $150K · FY2024 · Automotive Glass Replacement Shops
- Black Optix Tint — Cedar Park · $25K · FY2024 · Automotive Glass Replacement Shops
- Black Optix Tint — Cedar Park · $216K · FY2024 · Automotive Glass Replacement Shops
- ELMCO ENTERPRISES, LLC — Galveston · $300K · FY2024 · Automotive Body, Paint, and Interior Repair and Maintenance
- ELMCO ENTERPRISES, LLC — Galveston · $30K · FY2024 · Automotive Body, Paint, and Interior Repair and Maintenance
Top lenders for this brand
Most active states
- 1.Texas (6 loans)
- 2.Florida (4 loans)
- 3.North Carolina (1 loans)
Represent Black Optix Tint?
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Common questions
How much does a Black Optix Tint cost to buy or open?
The typical deal for Black Optix Tint is $195K across 11 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $21K of buyer cash on a typical deal.
How risky is Black Optix Tint?
Black Optix Tint has 11 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 Black Optix Tint with an SBA loan?
Yes — Black Optix Tint has been SBA-financed 6 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Black Optix Tint franchise
Most Black Optix Tint 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 Black Optix Tint deal financed for $195K, which points to about $21K of buyer cash on a typical purchase. Black Optix Tint is listed in the SBA Franchise Directory (identifier S8623), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Black Optix Tint — 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 Black Optix Tint — 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 Black Optix Tint — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Black Optix Tint is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 11 SBA 7(a) deals since 2020
- $195K typical deal
- 6 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S8623)
- Top lenders: The Huntington National Bank, First Bank of the Lake, Magnifi Financial CU
- 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 Black Optix Tint.