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Carstar, by the numbers

Carstar appears in 34 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 S2138)

34 deals since 2020 · typical deal $869K · 0% failure rate

34

Deals since 2020

$869K

Typical deal

10

Deals since FY2025

0%

Failure rate (FY20–23)

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

What buyers pay for Carstar

Most Carstar deals financed between $416K and $1.93M. Above $1.93M, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$11,364
Down payment (10%)
$97K
Cash to close (all-in)
$132K

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 ~$132K)

Experience

Recent financings

  • Deiri Investment LLC in Farmers Branch, TX — $1.9M (2026) · The MINT National Bank
  • Russo Auto Body LLC in Vallejo, CA — $869K (2026) · Celtic Bank Corporation
  • Empire Peach Works Corp in Canton, GA — $615K (2026) · Citizens Bank
  • 1810 Gordon Hwy RE LLC in Augusta, GA — $2.9M (2025) · The Bancorp Bank National Association
  • Custer 2478 Group LLC in Van Alstyne, TX — $2.2M (2025) · Live Oak Banking Company
  • CARSTAR Wreck-O-Mended in Irving, TX — $1.5M (2025) · First Bank of the Lake
  • WRECKOMENDED, LLC in Irving, TX — $1.5M (2025) · First Bank of the Lake
  • CARSTAR PACIFIC COAST COLLISION CENTER in Rancho Cordova, CA — $500K (2025) · Live Oak Banking Company
  • Carstar Broadway in San Antonio, TX — $300K (2025) · Newtek Bank, National Association
  • KRAEMER AUTO COLLISION, INC. in Anaheim, CA — $150K (2025) · BayFirst National Bank

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

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Carstar brand mark

Who funds Carstar — and where

Every dot is a financed Carstar — 34 mapped.

Financed Carstar locations — list all 34 as text

Top lenders for this brand

  1. 1.Live Oak Banking Company(5)
  2. 2.The Huntington National Bank(3)
  3. 3.SouthState Bank, National Association(2)
  4. 4.First Bank of the Lake(2)
  5. 5.First Montana Bank, Inc. (2)

Most active states

  1. 1.Texas (11 loans)Carstar lenders in Texas->
  2. 2.California (5 loans)Carstar lenders in California->
  3. 3.Georgia (3 loans)Carstar lenders in Georgia->
  4. 4.Florida (2 loans)Carstar lenders in Florida->
  5. 5.Illinois (2 loans)Carstar lenders in Illinois->
  6. 6.Montana (2 loans)Carstar lenders in Montana->
  7. 7.Virginia (2 loans)Carstar lenders in Virginia->
  8. 8.Ohio (2 loans)Carstar lenders in Ohio->

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Common questions

How much does a Carstar cost to buy or open?

The typical deal for Carstar is $869K across 34 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $96K of buyer cash on a typical deal.

How risky is Carstar?

0% of Carstar'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 Carstar with an SBA loan?

Yes — Carstar has been SBA-financed 10 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Carstar franchise

Most Carstar 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 Carstar deal financed for $869K, which points to about $96K of buyer cash on a typical purchase. Carstar is listed in the SBA Franchise Directory (identifier S2138), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Carstar — 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 Carstar — 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 Carstar — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Carstar is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 34 SBA 7(a) deals since 2020
  • $869K typical deal
  • 10 deals since FY2025
  • 0% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S2138)
  • Top lenders: Live Oak Banking Company, The Huntington National Bank, SouthState Bank, National Association

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 2026-08-02.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/carstar
API:
https://www.capbench.com/api/public/franchises/carstar
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 Carstar.

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