Automotive · lender intelligence

How to finance a Auto Check

State:

The SBA 7(a) lenders funding the most Auto Check deals, ranked from public loan records — typical Auto Check loan about $350K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Auto Check

$350K

Typical loan

range $150K–$350K

$389K

Est. purchase price

≈ loan ÷ 90%

$52,014

Cash to close

$38,889 down + fees

$4,821/mo

Typical payment

~11% · 10yr

$66,530/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

8 days

Typical time to fund

Lenders competing

more = leverage

8.4%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active with Auto Check

Ranked by funded Auto Check loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.44 loans · $52M · Wallis, TXFull record →
2.24 loans · $22M · College Station, TXFull record →
3.20 loans · $8M · Saint Petersburg, FLFull record →

5+ funded Auto Check deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

ZUBIA ELITE LLC in Katy, TX — $1.1M (2025) · purchase · American Momentum Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$849K (75%)
Approval → funding
8 days
Approved
4/15/2025
First disbursed
4/23/2025
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
General Automotive Repair
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$126K
Est. cash at closing
$172K
Monthly payment
$14,648
Annual debt service
$176K
Cash flow needed (1.25×)
$220K
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 American Momentum Bank · Lender record →
Your business? Claim this record · Request removal
ZUBIA ELITE LLC in Katy, TX — $150K (2025) · purchase · American Momentum Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$75K (50%)
Approval → funding
8 days
Approved
4/15/2025
First disbursed
4/23/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
General Automotive Repair
If you were the buyer here
Est. deal size
$167K
Est. down payment (10%)
$17K
Est. cash at closing
$21K
Monthly payment
$1,941
Annual debt service
$23K
Cash flow needed (1.25×)
$29K
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 American Momentum Bank · Lender record →
Your business? Claim this record · Request removal
SVAUTO LLC in Richmond, TX — $150K (2025) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
12.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
1 days
Approved
10/31/2024
First disbursed
11/1/2024
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
General Automotive Repair
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
Chenab Traders, LLC in Houston, TX — $350K (2021) · Wallis Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approved
12/16/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Existing or more than 2 years old
Industry
General Automotive Repair
Funded by Wallis Bank · Lender record →
Your business? Claim this record · Request removal
Chenab Traders, LLC in Houston, TX — $350K (2021) · Wallis Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
94 months
SBA guaranteed
$315K (90%)
Approval → funding
14 days
Approved
3/17/2021
First disbursed
3/31/2021
Loan status
Failed — $295K charged off (3/18/2026)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
General Automotive Repair
Funded by Wallis Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Auto Check? Start with a lender that has funded the brand

We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.

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Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Auto Check businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Auto Check purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Wallis Bank funds the most. CapBench is not a lender.

$350K typical Auto Check loan
3 lenders fund the brand
8 days typical to fund

Buyers researching a Auto Check typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker Auto Check record

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.
Canonical:: https://www.capbench.com/lenders/franchise/auto-check
API:: https://www.capbench.com/api/public/lenders?franchise=auto-check
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.