Automotive · lender intelligence

How to finance a Carstar in Texas

State:

The SBA 7(a) lenders funding the most Carstar deals in Texas, 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 Texas

$1.55M

Typical loan

range $817K–$2.60M

$1.72M

Est. purchase price

≈ loan ÷ 90%

$236,258

Cash to close

$172,000 down + fees

$20,031/mo

Typical payment

~9.5% · 10yr

$276,428/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

31 days

Typical time to fund

Lenders competing

more = leverage

7.98%

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 Texas

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

1.318 loans · $229M · Osage Beach, MOFull record →
2.62 loans · $34M · Winter Haven, FLFull record →
3.1,025 loans · $292M · Berkeley Heights, NJFull record →
4.1,296 loans · $1.4B · Wilmington, NCFull record →
5.3,264 loans · $846M · Miami, FLFull record →
6.3 loans · $6M · Kingwood, TXFull record →
7.54 loans · $15M · University Park, TXFull record →
8.2,539 loans · $965M · Columbus, OHFull record →
9.2 loans · $0M · Pine Bluff, ARFull record →
10.53 loans · $101M · Dallas, TXFull record →

11+ funded Carstar in Texas 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.

Deiri Investment LLC in Farmers Branch, TX — $1.9M (2026) · The MINT National Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.4M (75%)
Approval → funding
21 days
Approved
11/24/2025
First disbursed
12/15/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Existing or more than 2 years old
Industry
General Automotive Repair
Funded by The MINT National Bank · Lender record →
Your business? Claim this record · Request removal
Custer 2478 Group LLC in Van Alstyne, TX — $2.2M (2025) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
312 mo (26 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
31 days
Approved
8/11/2025
First disbursed
9/11/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
All Other Automotive Repair and Maintenance
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
CARSTAR Wreck-O-Mended in Irving, TX — $1.5M (2025) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
306 months
SBA guaranteed
$1.2M (75%)
Approval → funding
8 days
Approved
8/11/2025
First disbursed
8/19/2025
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 First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
WRECKOMENDED, LLC in Irving, TX — $1.5M (2025) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
306 months
SBA guaranteed
$1.2M (75%)
Approved
8/25/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
General Automotive Repair
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Carstar Broadway in San Antonio, TX — $300K (2025) · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approved
8/13/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
38
Business age
Existing or more than 2 years old
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
CARSTAR SUPERIOR COLLISION BROADWAY in San Antonio, TX — $817K (2024) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$612K (75%)
Approval → funding
70 days
Approved
5/23/2024
First disbursed
8/1/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
19
Business age
Existing or more than 2 years old
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
Custer 2478 Holdings, LLC in Van Alstyne, TX — $2.8M (2023) · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
309 months
SBA guaranteed
$2.1M (75%)
Approval → funding
50 days
Approved
3/13/2023
First disbursed
5/2/2023
Loan status
Paid in full (1/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Campbell's Auto Body - Burleson, LLC in Burleson, TX — $2.8M (2023) · T Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.1M (75%)
Approval → funding
10 days
Approved
3/24/2023
First disbursed
4/3/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
26
Business age
Existing or more than 2 years old
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by T Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Romani Inc. in Montgomery, TX — $2.6M (2022) · Simmons Bank
Program
Preferred Lenders Program
Rate at approval
1.5% variable
Term
306 months
SBA guaranteed
$2.0M (75%)
Approval → funding
48 days
Approved
9/14/2022
First disbursed
11/1/2022
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
39
Business age
Existing or more than 2 years old
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by Simmons Bank · Lender record →
Your business? Claim this record · Request removal
MR. COLLISION, INC. in Dallas, TX — $1.3M (2021) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.0M (75%)
Approved
10/26/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Partnership
Jobs supported
11
Business age
Existing or more than 2 years old
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
SHEERMETAL-2 LLC in Richardson, TX — $674K (2020) · purchase · PlainsCapital Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$505K (75%)
Approval → funding
1 days
Approved
9/24/2020
First disbursed
9/25/2020
Loan status
Current
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
$749K
Est. down payment (10%)
$75K
Est. cash at closing
$100K
Monthly payment
$7,146
Annual debt service
$86K
Cash flow needed (1.25×)
$107K
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 PlainsCapital Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Carstar in Texas? 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.

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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 Carstar loans with a Texas project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Carstar purchase in Texas with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Texas deals. First Bank of the Lake funds the most here. CapBench is not a lender.

$869K typical Carstar loan
10 lenders active in Texas
11+ funded Texas deals
31 days typical to fund

Buyers buying a Carstar in Texas 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.

Next steps

Pre-qualify this deal Talk to a loan broker All Carstar lenders

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/carstar/texas
API:: https://www.capbench.com/api/public/lenders?franchise=carstar
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.