Automotive · lender intelligence

How to finance a Carquest

State:

The SBA 7(a) lenders funding the most Carquest deals, ranked from public loan records — typical Carquest loan about $500K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Carquest

$500K

Typical loan

range $201K–$1.21M

$556K

Est. purchase price

≈ loan ÷ 90%

$74,306

Cash to close

$55,556 down + fees

$6,470/mo

Typical payment

~9.5% · 10yr

$89,286/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

15 days

Typical time to fund

Lenders competing

more = leverage

6.03%

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 Carquest

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

1.12 loans · $3M · Geneva, MNFull record →
2.116 loans · $120M · Evansville, INFull record →
3.8 loans · $1M · Pittston, PAFull record →

6+ funded Carquest 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.

Beltzville Auto Parts LLC in Lehighton, PA — $201K (2024) · NEPA Alliance Business Finance Corporation
Program
7a General
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$151K (75%)
Approval → funding
22 days
Approved
5/22/2024
First disbursed
6/13/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
New Business or 2 years or less
Industry
Automotive Parts and Accessories Retailers
Funded by NEPA Alliance Business Finance Corporation · Lender record →
Your business? Claim this record · Request removal
A&K Company LLC in Onamia, MN — $1.7M (2022) · purchase · Old National Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
299 months
SBA guaranteed
$1.3M (75%)
Approval → funding
3 days
Approved
9/6/2022
First disbursed
9/9/2022
Loan status
Payments deferred
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
General Automotive Repair
If you were the buyer here
Est. deal size
$1.9M
Est. down payment (10%)
$188K
Est. cash at closing
$259K
Monthly payment
$12,809
Annual debt service
$154K
Cash flow needed (1.25×)
$192K
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 Old National Bank · Lender record →
Your business? Claim this record · Request removal
A&K Company LLC in Onamia, MN — $200K (2022) · Old National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$100K (50%)
Approval → funding
3 days
Approved
9/6/2022
First disbursed
9/9/2022
Loan status
Past due
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Unanswered
Industry
General Automotive Repair
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal
PRM II, L.L.C. in Mexico, MO — $500K (2021) · Commerce Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
3.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$250K (50%)
Approval → funding
33 days
Approved
8/10/2021
First disbursed
9/12/2021
Loan status
Paid in full (9/30/2022)
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
50
Business age
Existing or more than 2 years old
Industry
Automotive Parts and Accessories Stores
Funded by Commerce Bank · Lender record →
Your business? Claim this record · Request removal
PRM II, L.L.C. in Mexico, MO — $1.2M (2020) · Commerce Bank
Program
Preferred Lenders Program
Rate at approval
2.95% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$904K (75%)
Approval → funding
4 days
Approved
8/31/2020
First disbursed
9/4/2020
Loan status
Paid in full (5/31/2025)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
37
Business age
Existing or more than 2 years old
Industry
Automotive Parts and Accessories Stores
Funded by Commerce Bank · Lender record →
Your business? Claim this record · Request removal
PRM II, L.L.C. in Mexico, MO — $350K (2020) · Commerce Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
3.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$175K (50%)
Approval → funding
15 days
Approved
8/31/2020
First disbursed
9/15/2020
Loan status
Paid in full (8/31/2021)
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
37
Business age
Existing or more than 2 years old
Industry
Automotive Parts and Accessories Stores
Funded by Commerce Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Carquest? 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.

Free · No documents · Usually same-day

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 Carquest businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Carquest 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. Commerce Bank funds the most. CapBench is not a lender.

$500K typical Carquest loan
3 lenders fund the brand
15 days typical to fund

Buyers researching a Carquest 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 Carquest 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/carquest
API:: https://www.capbench.com/api/public/lenders?franchise=carquest
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.