Automotive · lender intelligence
How to finance a Costa Oil
The SBA 7(a) lenders funding the most Costa Oil deals, ranked from public loan records — typical Costa Oil loan about $251K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Costa Oil
$251K
Typical loan
range $50K–$765K
$279K
Est. purchase price
≈ loan ÷ 90%
$37,258
Cash to close
$27,856 down + fees
$3,453/mo
Typical payment
~11% · 10yr
$47,651/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
10 days
Typical time to fund
7
Lenders competing
more = leverage
9.71%
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 Costa Oil
Ranked by funded Costa Oil loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.1 loans · $0M · Wichita, KSFull record →
- 3.72 loans · $30M · Oconomowoc, WIFull record →
- 4.62 loans · $21M · Saint Cloud, MNFull record →
- 5.88 loans · $96M · Muncie, INFull record →
- 6.318 loans · $229M · Osage Beach, MOFull record →
14+ funded Costa Oil 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.
- Mission Overdrive Corporation in Socorro, TX — $794K (2026) · Community Bank & Trust-West Georgia
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 304 months
- SBA guaranteed
- $596K (75%)
- Approved
- 1/22/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Community Bank & Trust-West Georgia
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- Costa Oil in Lubbock, TX — $1.4M (2024) · First Merchants Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 309 months
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 8 days
- Approved
- 9/19/2024
- First disbursed
- 9/27/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by First Merchants Bank · Lender record →
Your business? Claim this record · Request removal
- Costa Oil in Lubbock, TX — $1.3M (2024) · Bank Five Nine
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 306 months
- SBA guaranteed
- $1.0M (75%)
- Approved
- 1/9/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Bank Five Nine · Lender record →
Your business? Claim this record · Request removal
- NEXTGEN PROPERTY HOLDINGS LLC in Sherman, TX — $765K (2024) · Stearns Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $574K (75%)
- Approval → funding
- 2 days
- Approved
- 8/26/2024
- First disbursed
- 8/28/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
- BS Holdings, LLC in Wichita, KS — $485K (2024) · Fidelity Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% fixed
- Term
- 294 months
- SBA guaranteed
- $364K (75%)
- Approval → funding
- 10 days
- Approved
- 7/9/2024
- First disbursed
- 7/19/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Fidelity Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- MEP, Inc. in Longview, TX — $251K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 10 days
- Approved
- 10/28/2023
- First disbursed
- 11/7/2023
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by The Huntington National Bank · Lender record →
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- Grace Stone Corporation in Palm Harbor, FL — $217K (2024) · Community Bank & Trust-West Georgia
- Program
- 7a General
- Rate at approval
- 11.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $163K (75%)
- Approval → funding
- 9 days
- Approved
- 5/7/2024
- First disbursed
- 5/16/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Community Bank & Trust-West Georgia
Your business? Claim this record · Request removal
- BS Holdings, LLC in Wichita, KS — $50K (2024) · Fidelity Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $38K (75%)
- Approved
- 7/31/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by Fidelity Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- MEP, INC. in Longview, TX — $25K (2024) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approved
- 10/28/2023
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- The Sholly Group LLC in Raleigh, NC — $351K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 12 days
- Approved
- 9/23/2023
- First disbursed
- 10/5/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- New Business or 2 years or less
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Nester Holding Corp. in Knoxville, TN — $250K (2023) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 106 months
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 9 days
- Approved
- 9/18/2023
- First disbursed
- 9/27/2023
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- The Sholly Group LLC in Raleigh, NC — $30K (2023) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $15K (50%)
- Approval → funding
- 12 days
- Approved
- 9/23/2023
- First disbursed
- 10/5/2023
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- New Business or 2 years or less
- Industry
- Automotive Oil Change and Lubrication Shops
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Ocelot Oil, LLC in Painesville, OH — $242K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $182K (75%)
- Approval → funding
- 84 days
- Approved
- 5/20/2022
- First disbursed
- 8/12/2022
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- 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
- Ocelot Oil, LLC in Painesville, OH — $25K (2022) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 18 days
- Approved
- 5/20/2022
- First disbursed
- 6/7/2022
- Loan status
- Delinquent
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- 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
Buying a Costa Oil? 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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Costa Oil businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Costa Oil 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. The Huntington National Bank funds the most. CapBench is not a lender.
- $251K typical Costa Oil loan
- 7 lenders fund the brand
- 10 days typical to fund
Buyers researching a Costa Oil 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.
- 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.