Cottman Transmission and Total Auto Care, 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 S0429)
4 deals since 2020 · typical deal $1.4M
4
Deals since 2020
$1.4M
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Cottman Transmission and Total Auto Care
Most Cottman Transmission and Total Auto Care deals financed between $1.32M and $1.96M. Above $1.96M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $18,088
- Down payment (10%)
- $154K
- Cash to close (all-in)
- $211K
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 ~$211K)
Experience
Recent financings
- H.G. Transmission of GSO L.L.C. in Greensboro, NC — $2.0M (2024) · purchase · The Fidelity Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 192 mo (16 yrs)
- SBA guaranteed
- $1.5M (75%)
- Approval → funding
- 17 days
- Approved
- 5/24/2024
- First disbursed
- 6/10/2024
- 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
- Specialized Automotive Repair
If you were the buyer here
- Est. deal size
- $2.2M
- Est. down payment (10%)
- $218K
- Est. cash at closing
- $299K
- Monthly payment
- $20,785
- Annual debt service
- $249K
- Cash flow needed (1.25×)
- $312K
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 The Fidelity Bank · Lender record →
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- H.G transmission of ws LLC in Winston Salem, NC — $735K (2024) · purchase · The Fidelity Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $551K (75%)
- Approval → funding
- 18 days
- Approved
- 5/23/2024
- First disbursed
- 6/10/2024
- 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
- Specialized Automotive Repair
If you were the buyer here
- Est. deal size
- $817K
- Est. down payment (10%)
- $82K
- Est. cash at closing
- $112K
- Monthly payment
- $9,815
- Annual debt service
- $118K
- Cash flow needed (1.25×)
- $147K
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 The Fidelity Bank · Lender record →
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- Transmission Specialists, Inc. in Louisville, KY — $1.4M (2022) · Banesco USA
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 198 months
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 13 days
- Approved
- 6/17/2022
- First disbursed
- 6/30/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Existing or more than 2 years old
- Industry
- General Automotive Repair
Funded by Banesco USA · Lender record →
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- Bay Property Management, LLC in Charlotte, NC — $1.3M (2021) · purchase · First National Bank of Pennsylvania
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.2M (90%)
- Approval → funding
- 24 days
- Approved
- 4/6/2021
- First disbursed
- 4/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Automotive Transmission Repair
If you were the buyer here
- Est. deal size
- $1.5M
- Est. down payment (10%)
- $147K
- Est. cash at closing
- $202K
- Monthly payment
- $8,525
- Annual debt service
- $102K
- Cash flow needed (1.25×)
- $128K
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 First National Bank of Pennsylvania · Lender record →
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Who funds Cottman Transmission and Total Auto Care — and where
Every dot is a financed Cottman Transmission and Total Auto Care — 4 mapped.
Financed Cottman Transmission and Total Auto Care locations — list all 4 as text
- Bay Property Management, LLC — Charlotte · $1.3M · FY2021 · Automotive Transmission Repair
- H.G transmission of ws LLC — Winston Salem · $735K · FY2024 · Specialized Automotive Repair
- H.G. Transmission of GSO L.L.C. — Greensboro · $2.0M · FY2024 · Specialized Automotive Repair
- Transmission Specialists, Inc. — Louisville · $1.4M · FY2022 · General Automotive Repair
Top lenders for this brand
Most active states
- 1.North Carolina (3 loans)
- 2.Kentucky (1 loans)
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Common questions
How much does a Cottman Transmission and Total Auto Care cost to buy or open?
The typical deal for Cottman Transmission and Total Auto Care is $1.4M across 4 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $152K of buyer cash on a typical deal.
How risky is Cottman Transmission and Total Auto Care?
Cottman Transmission and Total Auto Care has 4 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 Cottman Transmission and Total Auto Care with an SBA loan?
Yes — Cottman Transmission and Total Auto Care has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Cottman Transmission and Total Auto Care franchise
Most Cottman Transmission and Total Auto Care 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 Cottman Transmission and Total Auto Care deal financed for $1.4M, which points to about $152K of buyer cash on a typical purchase. Cottman Transmission and Total Auto Care is listed in the SBA Franchise Directory (identifier S0429), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Cottman Transmission and Total Auto Care — 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 Cottman Transmission and Total Auto Care — 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 Cottman Transmission and Total Auto Care — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Cottman Transmission and Total Auto Care is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 4 SBA 7(a) deals since 2020
- $1.4M typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0429)
- Top lenders: The Fidelity Bank, First National Bank of Pennsylvania, Banesco USA
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-20.
- 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 Cottman Transmission and Total Auto Care.