Napa AutoCare Program Membership Agreement, 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 S3038)
41 deals since 2020 · typical deal $563K · 0% failure rate
41
Deals since 2020
$563K
Typical deal
6
Deals since FY2025
0%
Failure rate (FY20–23)
What buyers pay for Napa AutoCare Program Membership Agreement
Most Napa AutoCare Program Membership Agreement deals financed between $300K and $910K. Above $910K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $7,356
- Down payment (10%)
- $63K
- Cash to close (all-in)
- $84K
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 ~$84K)
Experience
Recent financings
- Polson Auto Parts Inc. in Polson, MT — $1.5M (2026) · Valley Bank of Ronan
- Program
- 7a General
- Rate at approval
- 7% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 23 days
- Approved
- 1/26/2026
- First disbursed
- 2/18/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 32
- Business age
- Existing or more than 2 years old
- Industry
- Automotive Parts and Accessories Retailers
Funded by Valley Bank of Ronan · Lender record →
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- GSGG - Don and Joe's, LLC in Carmel, IN — $1.7M (2025) · purchase · Citizens State Bank of New Castle
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 134 months
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 4 days
- Approved
- 8/25/2025
- First disbursed
- 8/29/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- General Automotive Repair
If you were the buyer here
- Est. deal size
- $1.9M
- Est. down payment (10%)
- $193K
- Est. cash at closing
- $266K
- Monthly payment
- $21,115
- Annual debt service
- $253K
- Cash flow needed (1.25×)
- $317K
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 Citizens State Bank of New Castle · Lender record →
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- Wilber Auto Parts LLC in Coldwater, MI — $1.2M (2025) · purchase · Century Bank and Trust
- Program
- 7a General
- Rate at approval
- 7% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $898K (75%)
- Approval → funding
- 18 days
- Approved
- 6/12/2025
- First disbursed
- 6/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- Automotive Parts and Accessories Retailers
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $133K
- Est. cash at closing
- $182K
- Monthly payment
- $13,898
- Annual debt service
- $167K
- Cash flow needed (1.25×)
- $208K
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 Century Bank and Trust · Lender record →
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- Everson Auto Parts, Inc. in Ferndale, WA — $855K (2025) · Bank of America, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.49% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $641K (75%)
- Approval → funding
- 11 days
- Approved
- 12/19/2024
- First disbursed
- 12/30/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Existing or more than 2 years old
- Industry
- Automotive Parts and Accessories Retailers
Funded by Bank of America, National Association · Lender record →
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- J H AUTO PARTS INC in Corry, PA — $350K (2025) · Northwest Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $175K (50%)
- Approval → funding
- 86 days
- Approved
- 10/15/2024
- First disbursed
- 1/9/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 26
- Business age
- Existing or more than 2 years old
- Industry
- Automotive Parts and Accessories Retailers
Funded by Northwest Bank · Lender record →
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- KSJS Holdings, LLC in Bloomer, WI — $230K (2025) · Security Financial Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.5% variable
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $115K (50%)
- Approval → funding
- 1 days
- Approved
- 3/13/2025
- First disbursed
- 3/14/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Automotive Parts and Accessories Retailers
Funded by Security Financial Bank · Lender record →
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- Elk Country Auto Parts Inc in Gunnison, CO — $1.5M (2024) · purchase · Gulf Coast Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 17 days
- Approved
- 6/24/2024
- First disbursed
- 7/11/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Change of Ownership
- Industry
- Automotive Parts and Accessories Retailers
If you were the buyer here
- Est. deal size
- $1.6M
- Est. down payment (10%)
- $164K
- Est. cash at closing
- $226K
- Monthly payment
- $20,387
- Annual debt service
- $245K
- Cash flow needed (1.25×)
- $306K
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 Gulf Coast Bank and Trust Company · Lender record →
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- L & A INC in Gooding, ID — $100K (2024) · Zions Bank, A Division of
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 12% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 35 days
- Approved
- 8/21/2024
- First disbursed
- 9/25/2024
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- Automotive Parts and Accessories Retailers
Funded by Zions Bank, A Division of · Lender record →
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- Atlas Automotive Industries LLC in Broomfield, CO — $1.3M (2023) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $950K (75%)
- Approval → funding
- 15 days
- Approved
- 12/5/2022
- First disbursed
- 12/20/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- General Automotive Repair
Funded by Readycap Lending, LLC · Lender record →
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- The Henschfits LLC in Fort Wayne, IN — $678K (2023) · 1st Source Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $509K (75%)
- Approval → funding
- 12 days
- Approved
- 5/19/2023
- First disbursed
- 5/31/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Automotive Repair and Maintenance
Funded by 1st Source Bank · Lender record →
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Who funds Napa AutoCare Program Membership Agreement — and where
Every dot is a financed Napa AutoCare Program Membership Agreement — 41 mapped.
Financed Napa AutoCare Program Membership Agreement locations — list all 41 as text
- Lynn Auto Parts, Inc. — Sault Sainte Marie · $1.5M · FY2021 · Automotive Parts and Accessories Stores
- KNOW HOW AUTO SUPPLY, LLC — Spring Valley · $1.2M · FY2021 · Automotive Parts and Accessories Stores
- Madden Auto Supply Inc. — Wyoming · $621K · FY2021 · Automotive Parts and Accessories Stores
- Quality Auto Parts — Clatskanie · $323K · FY2021 · Automotive Parts and Accessories Stores
- Atlas Automotive Industries LLC — Broomfield · $1.3M · FY2023 · General Automotive Repair
- Elk Country Auto Parts Inc — Gunnison · $1.5M · FY2024 · Automotive Parts and Accessories Retailers
- GSGG - Don and Joe's, LLC — Carmel · $1.7M · FY2025 · General Automotive Repair
- Polson Auto Parts Inc. — Polson · $1.5M · FY2026 · Automotive Parts and Accessories Retailers
- KSJS Holdings, LLC — Bloomer · $230K · FY2025 · Automotive Parts and Accessories Retailers
- Wilber Auto Parts LLC — Coldwater · $1.2M · FY2025 · Automotive Parts and Accessories Retailers
- Bloomer Auto Supply, Inc. — Bloomer · $250K · FY2020 · Automotive Parts and Accessories Stores
- Liberty Car Care, LLC — Liberty · $260K · FY2020 · General Automotive Repair
- Pierson Auto Parts LLC — Bedford · $630K · FY2021 · Automotive Parts and Accessories Stores
- JM AUTOMOTIVE LLC — Point Harbor · $525K · FY2022 · General Automotive Repair
- Cereal City Auto Parts, Inc. — Battle Creek · $300K · FY2022 · Motor Vehicle Supplies and New Parts Merchant Wholesalers
- Cereal City Auto Parts, Inc. — Battle Creek · $4.0M · FY2022 · Motor Vehicle Supplies and New Parts Merchant Wholesalers
- L & A INC — Gooding · $100K · FY2024 · Automotive Parts and Accessories Retailers
- J H AUTO PARTS INC — Corry · $350K · FY2025 · Automotive Parts and Accessories Retailers
- MARTIN'S AUTO REPAIR OF WAYLAND, INC. — Wayland · $250K · FY2023 · General Automotive Repair
- Everson Auto Parts, Inc. — Ferndale · $855K · FY2025 · Automotive Parts and Accessories Retailers
- The Henschfits LLC — Fort Wayne · $678K · FY2023 · All Other Automotive Repair and Maintenance
- MARTIN'S AUTO REPAIR OF WAYLAND, INC. — Wayland · $250K · FY2023 · General Automotive Repair
- C&M Parts LLC — Le Sueur · $310K · FY2020 · Automotive Parts and Accessories Stores
- M2 Property Holdings, LLC — Waterford · $484K · FY2020 · Automotive Parts and Accessories Stores
- St. John Mobile Auto Repair, LLC — St Augustine · $195K · FY2020 · General Automotive Repair
- DB's All Car Shop Inc. — Kissimmee · $50K · FY2022 · General Automotive Repair
- DB's All Car Shop Inc. — Kissimmee · $743K · FY2022 · General Automotive Repair
- CATLETT AUTOMOTIVE, INC. — Amarillo · $400K · FY2022 · Automotive Parts and Accessories Retailers
- CATLETT AUTOMOTIVE, INC. — Amarillo · $365K · FY2022 · Automotive Parts and Accessories Retailers
- Generational Auto, LLC — Gilbert · $1.0M · FY2022 · General Automotive Repair
- Generational Auto, LLC — Gilbert · $75K · FY2022 · General Automotive Repair
- Hi-Tech Automotive Pineville, Inc. — Pineville · $626K · FY2022 · General Automotive Repair
- C & S Green Enterprise, LLC — La Grange · $636K · FY2022 · General Automotive Repair
- Catlett Investment Properties, LLC — Liberal · $450K · FY2022 · Automotive Parts and Accessories Retailers
- Henry's Mile Hill Auto LLC — Tunkhannock · $934K · FY2021 · Automotive Parts and Accessories Stores
- CHECK'S MUFFLER CENTER — Stevens Point · $910K · FY2021 · General Automotive Repair
- Vetting Transport LLC — Valders · $630K · FY2021 · General Freight Trucking, Local
- Vetting Transport LLC — Valders · $50K · FY2021 · General Freight Trucking, Local
- Sapphire Auto Repair LLC — Phoenix · $563K · FY2021 · General Automotive Repair
- Maxed Out Trucks, LLC — Lees Summit · $910K · FY2021 · General Automotive Repair
- Hog Tropf Parts Warehouse, LLC — Arkadelphia · $320K · FY2021 · Automotive Parts and Accessories Stores
Top lenders for this brand
Most active states
- 1.Michigan (5 loans)
- 2.Wisconsin (5 loans)
- 3.New York (3 loans)
- 4.Florida (3 loans)
- 5.Texas (3 loans)
- 6.Arizona (3 loans)
- 7.Colorado (2 loans)
- 8.Indiana (2 loans)
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Common questions
How much does a Napa AutoCare Program Membership Agreement cost to buy or open?
The typical deal for Napa AutoCare Program Membership Agreement is $563K across 41 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $62K of buyer cash on a typical deal.
How risky is Napa AutoCare Program Membership Agreement?
0% of Napa AutoCare Program Membership Agreement'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 Napa AutoCare Program Membership Agreement with an SBA loan?
Yes — Napa AutoCare Program Membership Agreement 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 Napa AutoCare Program Membership Agreement franchise
Most Napa AutoCare Program Membership Agreement 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 Napa AutoCare Program Membership Agreement deal financed for $563K, which points to about $62K of buyer cash on a typical purchase. Napa AutoCare Program Membership Agreement is listed in the SBA Franchise Directory (identifier S3038), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Napa AutoCare Program Membership Agreement — 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 Napa AutoCare Program Membership Agreement — 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 Napa AutoCare Program Membership Agreement — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Napa AutoCare Program Membership Agreement is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 41 SBA 7(a) deals since 2020
- $563K typical deal
- 6 deals since FY2025
- 0% failure rate (FY20–23 cohort)
- SBA Franchise Directory: listed (identifier S3038)
- Top lenders: The Huntington National Bank, Dream First Bank National Association, Security Financial Bank
- 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 Napa AutoCare Program Membership Agreement.