Garage Experts, 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 S2842)
8 deals since 2020 · typical deal $350K
8
Deals since 2020
$350K
Typical deal
5
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Garage Experts
Most Garage Experts deals financed between $226K and $1.00M. Above $1.00M, 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
- Surface Experts of the Palm Beaches in North Palm Beach, FL — $350K (2026) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 14 days
- Approved
- 11/19/2025
- First disbursed
- 12/3/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Personal and Household Goods Repair and Maintenance
Funded by First Bank of the Lake · Lender record →
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- Garage Experts in Indianapolis, IN — $250K (2026) · Newtek Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approved
- 2/17/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- New Single-Family Housing Construction (except For-Sale Buil
Funded by Newtek Bank, National Association · Lender record →
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- GARAGEEXPERTS OF VOLUSIA in Sanford, FL — $226K (2026) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $170K (75%)
- Approval → funding
- 15 days
- Approved
- 11/20/2025
- First disbursed
- 12/5/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Flooring Contractors
Funded by First Bank of the Lake · Lender record →
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- Rocky 723 Ventures, LLC in Kuna, ID — $1.3M (2025) · First Federal Savings Bank
- Program
- 7a General
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $964K (75%)
- Approval → funding
- 1 days
- Approved
- 12/23/2024
- First disbursed
- 12/24/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- New Business or 2 years or less
- Industry
- Other Foundation, Structure, and Building Exterior Contracto
Funded by First Federal Savings Bank · Lender record →
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- Pekok LLC in Jacksonville, FL — $1.0M (2025) · purchase · First National Bank of Pennsylvania
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $750K (75%)
- Approval → funding
- 6 days
- Approved
- 5/13/2025
- First disbursed
- 5/19/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Flooring Contractors
If you were the buyer here
- Est. deal size
- $1.1M
- Est. down payment (10%)
- $111K
- Est. cash at closing
- $152K
- Monthly payment
- $13,077
- Annual debt service
- $157K
- Cash flow needed (1.25×)
- $196K
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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- Kd3t LLC in Katy, TX — $837K (2021) · purchase · FFB Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $753K (90%)
- Approved
- 7/22/2021
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Flooring Contractors
If you were the buyer here
- Est. deal size
- $930K
- Est. down payment (10%)
- $93K
- Est. cash at closing
- $127K
- Monthly payment
- $9,080
- Annual debt service
- $109K
- Cash flow needed (1.25×)
- $136K
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 FFB Bank · Lender record →
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- Garage Experts of Fox Valley in Appleton, WI — $152K (2021) · Nicolet National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $137K (90%)
- Approval → funding
- 16 days
- Approved
- 2/17/2021
- First disbursed
- 3/5/2021
- Loan status
- Paid in full (1/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Flooring Contractors
Funded by Nicolet National Bank · Lender record →
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- Legend Hills Group LLC in Heath, OH — $32K (2020) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $16K (50%)
- Approval → funding
- 24 days
- Approved
- 8/7/2020
- First disbursed
- 8/31/2020
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Partnership
- Jobs supported
- 2
- Business age
- New Business or 2 years or less
- Industry
- Flooring Contractors
Funded by The Huntington National Bank · Lender record →
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Who funds Garage Experts — and where
Every dot is a financed Garage Experts — 8 mapped.
Financed Garage Experts locations — list all 8 as text
- Garage Experts of Fox Valley — Appleton · $152K · FY2021 · Flooring Contractors
- Surface Experts of the Palm Beaches — North Palm Beach · $350K · FY2026 · Other Personal and Household Goods Repair and Maintenance
- GARAGEEXPERTS OF VOLUSIA — Sanford · $226K · FY2026 · Flooring Contractors
- Garage Experts — Indianapolis · $250K · FY2026 · New Single-Family Housing Construction (except For-Sale Buil
- Pekok LLC — Jacksonville · $1.0M · FY2025 · Flooring Contractors
- Legend Hills Group LLC — Heath · $32K · FY2020 · Flooring Contractors
- Rocky 723 Ventures, LLC — Kuna · $1.3M · FY2025 · Other Foundation, Structure, and Building Exterior Contracto
- Kd3t LLC — Katy · $837K · FY2021 · Flooring Contractors
Top lenders for this brand
Most active states
- 1.Florida (3 loans)
- 2.Wisconsin (1 loans)
- 3.Indiana (1 loans)
- 4.Ohio (1 loans)
- 5.Idaho (1 loans)
- 6.Texas (1 loans)
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Common questions
How much does a Garage Experts cost to buy or open?
The typical deal for Garage Experts is $350K across 8 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 Garage Experts?
Garage Experts has 8 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 Garage Experts with an SBA loan?
Yes — Garage Experts has been SBA-financed 5 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Garage Experts franchise
Most Garage Experts 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 Garage Experts deal financed for $350K, which points to about $39K of buyer cash on a typical purchase. Garage Experts is listed in the SBA Franchise Directory (identifier S2842), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Garage Experts — 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 Garage Experts — 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 Garage Experts — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Garage Experts is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 8 SBA 7(a) deals since 2020
- $350K typical deal
- 5 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S2842)
- Top lenders: First Bank of the Lake, Nicolet National Bank, Newtek Bank, National Association
- 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 Garage Experts.