Tuffy Tire & Auto Service, 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 S2711)
23 deals since 2020 · typical deal $926K
23
Deals since 2020
$926K
Typical deal
2
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Tuffy Tire & Auto Service
Most Tuffy Tire & Auto Service deals financed between $467K and $1.21M. Above $1.21M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $12,103
- Down payment (10%)
- $103K
- Cash to close (all-in)
- $141K
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 ~$141K)
Experience
Recent financings
- Tuffy Tire & Auto Service in Appleton, WI — $150K (2026) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 11.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approved
- 2/12/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- All Other Automotive Repair and Maintenance
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
- Automotive First, Inc in Walled Lake, MI — $1.2M (2025) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $881K (75%)
- Approval → funding
- 64 days
- Approved
- 9/23/2025
- First disbursed
- 11/26/2025
- 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
- General Automotive Repair
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $131K
- Est. cash at closing
- $179K
- Monthly payment
- $15,044
- Annual debt service
- $181K
- Cash flow needed (1.25×)
- $226K
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 Live Oak Banking Company · Lender record →
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- BJSH Investments Inc in Northville, MI — $926K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $694K (75%)
- Approval → funding
- 2 days
- Approved
- 10/25/2022
- First disbursed
- 10/27/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- General Automotive Repair
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- TUFFY TIRE AND AUTO SERVICE in Gallatin, TN — $467K (2023) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $350K (75%)
- Approval → funding
- 15 days
- Approved
- 1/17/2023
- First disbursed
- 2/1/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 11
- Business age
- Startup, Loan Funds will Open Business
- Industry
- General Automotive Repair
Funded by Live Oak Banking Company · Lender record →
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- D'GEARS PARTNERS LLC in Mesa, AZ — $350K (2023) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 12 days
- Approved
- 1/26/2023
- First disbursed
- 2/7/2023
- Loan status
- Paid in full (11/30/2024)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Change of Ownership
- Industry
- General Automotive Repair
If you were the buyer here
- Est. deal size
- $389K
- Est. down payment (10%)
- $39K
- Est. cash at closing
- $52K
- Monthly payment
- $4,386
- Annual debt service
- $53K
- Cash flow needed (1.25×)
- $66K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- SUFF4 LLC in Cincinnati, OH — $233K (2023) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $175K (75%)
- Approval → funding
- 15 days
- Approved
- 11/16/2022
- First disbursed
- 12/1/2022
- 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
- General Automotive Repair
If you were the buyer here
- Est. deal size
- $259K
- Est. down payment (10%)
- $26K
- Est. cash at closing
- $35K
- Monthly payment
- $2,735
- Annual debt service
- $33K
- Cash flow needed (1.25×)
- $41K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- BJSH Investments Inc in Northville, MI — $50K (2023) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 10/25/2022
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- General Automotive Repair
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Tuffy Auto Service Centers of Grand Rapids MI in Grand Rapids, MI — $1.2M (2022) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $919K (75%)
- Approval → funding
- 28 days
- Approved
- 12/13/2021
- First disbursed
- 1/10/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- WLT LLC in Walled Lake, MI — $1.2M (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $900K (75%)
- Approval → funding
- 16 days
- Approved
- 12/1/2021
- First disbursed
- 12/17/2021
- Loan status
- Paid in full (11/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- Change of Ownership
- Industry
- All Other Automotive Repair and Maintenance
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $133K
- Est. cash at closing
- $183K
- Monthly payment
- $13,023
- Annual debt service
- $156K
- Cash flow needed (1.25×)
- $195K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Tuffy Tire & Auto Service Richmond in Casco, MI — $1.1M (2022) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $858K (75%)
- Approval → funding
- 3 days
- Approved
- 10/28/2021
- First disbursed
- 10/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- New Business or 2 years or less
- Industry
- General Automotive Repair
Funded by Celtic Bank Corporation · Lender record →
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Who funds Tuffy Tire & Auto Service — and where
Every dot is a financed Tuffy Tire & Auto Service — 23 mapped.
Financed Tuffy Tire & Auto Service locations — list all 23 as text
- Tuffy Auto Service Center of Grand Haven — Grand Haven · $1.2M · FY2021 · General Automotive Repair
- BJSH Investments Inc — Northville · $926K · FY2023 · General Automotive Repair
- BJSH Investments Inc — Northville · $50K · FY2023 · General Automotive Repair
- SUFF4 LLC — Cincinnati · $233K · FY2023 · General Automotive Repair
- TUFFY TIRE AND AUTO SERVICE — Gallatin · $467K · FY2023 · General Automotive Repair
- D'GEARS PARTNERS LLC — Mesa · $350K · FY2023 · General Automotive Repair
- Automotive First, Inc — Walled Lake · $1.2M · FY2025 · General Automotive Repair
- Tuffy Tire & Auto Service — Appleton · $150K · FY2026 · All Other Automotive Repair and Maintenance
- W.R. Automotive Group, Inc. — Charlotte · $2.0M · FY2020 · General Automotive Repair
- TUFFY AUTO CENTER CLYDE PARK — Wyoming · $969K · FY2021 · General Automotive Repair
- Tuffy Auto Service Center — Lynn Haven · $1.3M · FY2021 · Automotive Parts and Accessories Stores
- Jules Auto Repair LLC — Boynton Beach · $626K · FY2022 · All Other Automotive Repair and Maintenance
- Tuffy Tire and Auto Service — Charlotte · $575K · FY2022 · General Automotive Repair
- Coozak Inc — Fort Myers · $1.8M · FY2020 · General Automotive Repair
- Automotive Solutions, Inc. — Fort Wayne · $550K · FY2020 · General Automotive Repair
- Auto Performance, Inc. — Orlando · $25K · FY2020 · General Automotive Repair
- Auto Performance, Inc. — Orlando · $751K · FY2020 · General Automotive Repair
- Tuffy Auto Center — Charlotte · $935K · FY2020 · General Automotive Repair
- Tuffy Tire & Auto Service Richmond — Casco · $1.1M · FY2022 · General Automotive Repair
- WLT LLC — Walled Lake · $1.2M · FY2022 · All Other Automotive Repair and Maintenance
- Tuffy Auto Service Centers of Grand Rapids MI — Grand Rapids · $1.2M · FY2022 · Automotive Oil Change and Lubrication Shops
- BACKSTAY LLC — Ocala · $848K · FY2022 · General Automotive Repair
- SUFF2 LLC — Lewis Center · $1.7M · FY2021 · General Automotive Repair
Top lenders for this brand
1.Live Oak Banking Company(15)
2.The Huntington National Bank(2)
3.Celtic Bank Corporation(2)
4.Customers Bank(2)
- 5.Newtek Small Business Finance, Inc. (1)
Most active states
- 1.Michigan (8 loans)
- 2.Florida (6 loans)
- 3.North Carolina (3 loans)
- 4.Ohio (2 loans)
- 5.Tennessee (1 loans)
- 6.Arizona (1 loans)
- 7.Wisconsin (1 loans)
- 8.Indiana (1 loans)
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Common questions
How much does a Tuffy Tire & Auto Service cost to buy or open?
The typical deal for Tuffy Tire & Auto Service is $926K across 23 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $102K of buyer cash on a typical deal.
How risky is Tuffy Tire & Auto Service?
Tuffy Tire & Auto Service has 23 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 Tuffy Tire & Auto Service with an SBA loan?
Yes — Tuffy Tire & Auto Service has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Tuffy Tire & Auto Service franchise
Most Tuffy Tire & Auto Service 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 Tuffy Tire & Auto Service deal financed for $926K, which points to about $102K of buyer cash on a typical purchase. Tuffy Tire & Auto Service is listed in the SBA Franchise Directory (identifier S2711), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Tuffy Tire & Auto Service — 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 Tuffy Tire & Auto Service — 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 Tuffy Tire & Auto Service — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Tuffy Tire & Auto Service is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 23 SBA 7(a) deals since 2020
- $926K typical deal
- 2 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S2711)
- Top lenders: Live Oak Banking Company, The Huntington National Bank, Celtic Bank Corporation
- 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 Tuffy Tire & Auto Service.