Automotive · lender intelligence
How to finance a Carstar in California
The SBA 7(a) lenders funding the most Carstar deals in California, from public loan records — typical Carstar loan about $869K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Carstar in California
$869K
Typical loan
range $500K–$875K
$966K
Est. purchase price
≈ loan ÷ 90%
$132,402
Cash to close
$96,556 down + fees
$11,245/mo
Typical payment
~9.5% · 10yr
$155,181/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
15 days
Typical time to fund
4
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 Carstar in California
Ranked by funded Carstar loans in California. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.101 loans · $81M · Pasadena, CAFull record →
- 3.868 loans · $362M · Salt Lake City, UTFull record →
- 4.20 loans · $8M · Saint Petersburg, FLFull record →
5+ funded Carstar in California 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.
- Russo Auto Body LLC in Vallejo, CA — $869K (2026) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $652K (75%)
- Approved
- 12/18/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Jobs supported
- 9
- Business age
- Existing or more than 2 years old
- Industry
- Automotive Body, Paint, and Interior Repair and Maintenance
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
- CARSTAR PACIFIC COAST COLLISION CENTER in Rancho Cordova, CA — $500K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.99% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 15 days
- Approved
- 4/15/2025
- First disbursed
- 4/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 50
- Business age
- Existing or more than 2 years old
- Industry
- Automotive Body, Paint, and Interior Repair and Maintenance
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- KRAEMER AUTO COLLISION, INC. in Anaheim, CA — $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
- 10 days
- Approved
- 10/28/2024
- First disbursed
- 11/7/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- 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
- DRIVE 365 LLC in Ukiah, CA — $875K (2023) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6.5% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $656K (75%)
- Approval → funding
- 39 days
- Approved
- 10/28/2022
- First disbursed
- 12/6/2022
- Loan status
- Paid in full (12/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Carstar Auto World Collision in South San Francisco, CA — $4.4M (2021) · East West Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $3.7M (85%)
- Approval → funding
- 14 days
- Approved
- 4/16/2021
- First disbursed
- 4/30/2021
- Loan status
- Paid in full (10/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 22
- Business age
- Existing or more than 2 years old
- Industry
- Automotive Body, Paint, and Interior Repair and Maintenance
Funded by East West Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Carstar in California? Start with a lender that funds them here
We'll point you to the SBA lenders already financing this brand in your state — 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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded Carstar loans with a California project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Carstar purchase in California with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded California deals. Live Oak Banking Company funds the most here. CapBench is not a lender.
- $869K typical Carstar loan
- 4 lenders active in California
- 5+ funded California deals
- 15 days typical to fund
Buyers buying a Carstar in California typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
- 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.