Automotive · lender intelligence

How to finance a LINE-X

State:

The SBA 7(a) lenders funding the most LINE-X deals, ranked from public loan records — typical LINE-X loan about $510K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance LINE-X

$510K

Typical loan

range $101K–$905K

$567K

Est. purchase price

≈ loan ÷ 90%

$75,792

Cash to close

$56,667 down + fees

$6,599/mo

Typical payment

~9.5% · 10yr

$91,066/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

34 days

Typical time to fund

Lenders competing

more = leverage

6.64%

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 LINE-X

Ranked by funded LINE-X 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 →
2.2 loans · $3M · Moulton, TXFull record →
3.62 loans · $34M · Winter Haven, FLFull record →
4.2 loans · $0M · Pine Bluff, ARFull record →
5.47 loans · $39M · Greenville, PAFull record →
6.97 loans · $96M · Raleigh, NCFull record →
7.4 loans · $2M · Aberdeen, WAFull record →
8.1,296 loans · $1.4B · Wilmington, NCFull record →
9.8 loans · $7M · Dickson, TNFull record →
10.128 loans · $40M · Wilmington, DEFull record →
11.1 loans · $0M · Morrisville, VTFull record →
12.2 loans · $0M · Jasper, INFull record →
13.32 loans · $37M · Champaign, ILFull record →

23+ funded LINE-X 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.

Carolina Rollin LLC in Myrtle Beach, SC — $510K (2026) · First National Bank of Pennsylvania
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$383K (75%)
Approved
1/15/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
New Business or 2 years or less
Industry
All Other Automotive Repair and Maintenance
Funded by First National Bank of Pennsylvania · Lender record →
Your business? Claim this record · Request removal
Line-X of East Jacksonville & Line-X of West Jacksonville in Yulee, FL — $905K (2025) · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$679K (75%)
Approval → funding
66 days
Approved
11/26/2024
First disbursed
1/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Startup, Loan Funds will Open Business
Industry
Automotive Parts and Accessories Retailers
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
McK Customs, LLC in Gainesville, FL — $1.3M (2024) · First Federal Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
246 months
SBA guaranteed
$960K (75%)
Approval → funding
129 days
Approved
10/3/2023
First disbursed
2/9/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Startup, Loan Funds will Open Business
Industry
All Other General Merchandise Retailers
Funded by First Federal Bank · Lender record →
Your business? Claim this record · Request removal
Collins Collision LLC in Clear Lake, IA — $220K (2024) · Clear Lake Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
7.15% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$165K (75%)
Approval → funding
2 days
Approved
10/31/2023
First disbursed
11/2/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Startup, Loan Funds will Open Business
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by Clear Lake Bank & Trust Company
Your business? Claim this record · Request removal
ANW HOME SERVICES LLC in Hutto, TX — $267K (2023) · SouthStar Bank, S.S.B.
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$200K (75%)
Approval → funding
8 days
Approved
9/21/2023
First disbursed
9/29/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
New Business or 2 years or less
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by SouthStar Bank, S.S.B. · Lender record →
Your business? Claim this record · Request removal
McFarland Truck Equipment, Inc. in Exeter, NH — $3.6M (2022) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
156 mo (13 yrs)
SBA guaranteed
$2.7M (75%)
Approval → funding
34 days
Approved
6/24/2022
First disbursed
7/28/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Automotive Parts and Accessories Retailers
If you were the buyer here
Est. deal size
$4.0M
Est. down payment (10%)
$400K
Est. cash at closing
$553K
Monthly payment
$34,725
Annual debt service
$417K
Cash flow needed (1.25×)
$521K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Kevin Enterprises, LLC in Pearl, MS — $734K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$550K (75%)
Approval → funding
2 days
Approved
9/28/2022
First disbursed
9/30/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
New Business or 2 years or less
Industry
Motor Vehicle Supplies and New Parts Merchant Wholesalers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Laoch Enterprises LLC in Plano, TX — $722K (2022) · SNB Bank, National Association
Program
7a General
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$542K (75%)
Approval → funding
8 days
Approved
7/26/2022
First disbursed
8/3/2022
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Automotive Parts and Accessories Retailers
Funded by SNB Bank, National Association
Your business? Claim this record · Request removal
LXTW LLC in Little Rock, AR — $345K (2022) · purchase · Simmons Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$259K (75%)
Approval → funding
84 days
Approved
11/24/2021
First disbursed
2/16/2022
Loan status
Past due
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Automotive Parts and Accessories Stores
If you were the buyer here
Est. deal size
$384K
Est. down payment (10%)
$38K
Est. cash at closing
$51K
Monthly payment
$3,661
Annual debt service
$44K
Cash flow needed (1.25×)
$55K
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 Simmons Bank · Lender record →
Your business? Claim this record · Request removal
Flipchange LLC in Vancouver, WA — $150K (2022) · Bank of the Pacific
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.75% variable
Term
84 mo (7 yrs)
SBA guaranteed
$75K (50%)
Approved
6/6/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Automotive Parts and Accessories Retailers
Funded by Bank of the Pacific · Lender record →
Your business? Claim this record · Request removal
Kevin Enterprises, LLC in Pearl, MS — $60K (2022) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$30K (50%)
Approval → funding
7 days
Approved
9/28/2022
First disbursed
10/5/2022
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
New Business or 2 years or less
Industry
Motor Vehicle Supplies and New Parts Merchant Wholesalers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
THIS CREATIVE LLC in Fort Myers, FL — $1.5M (2021) · Busey Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.3M (90%)
Approval → funding
18 days
Approved
8/9/2021
First disbursed
8/27/2021
Loan status
Paid in full (3/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Existing or more than 2 years old
Industry
Other Business Service Centers (including Copy Shops)
Funded by Busey Bank · Lender record →
Your business? Claim this record · Request removal
LXICT LLC in Wichita, KS — $553K (2021) · purchase · Simmons Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$498K (90%)
Approved
7/2/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Automotive Parts and Accessories Stores
If you were the buyer here
Est. deal size
$615K
Est. down payment (10%)
$61K
Est. cash at closing
$82K
Monthly payment
$5,938
Annual debt service
$71K
Cash flow needed (1.25×)
$89K
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 Simmons Bank · Lender record →
Your business? Claim this record · Request removal
Pineapple Phoenix, LLC in Phoenix, AZ — $347K (2021) · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$312K (90%)
Approved
7/13/2021
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 Exhaust System Repair
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Grenade Offroad LLC in Columbus, IN — $101K (2021) · German American Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$76K (75%)
Approval → funding
9 days
Approved
6/21/2021
First disbursed
6/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Automotive Parts and Accessories Stores
Funded by German American Bank · Lender record →
Your business? Claim this record · Request removal
Line-X of Murray LLC in Kirksey, KY — $75K (2021) · FNB Bank, Inc.
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% variable
Term
84 mo (7 yrs)
SBA guaranteed
$56K (75%)
Approval → funding
26 days
Approved
6/4/2021
First disbursed
6/30/2021
Loan status
Paid in full (8/31/2022)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Existing or more than 2 years old
Industry
General Automotive Repair
Funded by FNB Bank, Inc.
Your business? Claim this record · Request removal
North Country Protective Coatings LLC in Littleton, NH — $30K (2021) · Union Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$15K (50%)
Approved
6/17/2021
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by Union Bank · Lender record →
Your business? Claim this record · Request removal
North Country Protective Coating LLC in Littleton, NH — $20K (2021) · Bar Harbor Bank & Trust
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.75% variable
Term
60 mo (5 yrs)
SBA guaranteed
$15K (75%)
Approved
1/20/2021
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Existing or more than 2 years old
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by Bar Harbor Bank & Trust
Your business? Claim this record · Request removal
French Clan Investments LLC in Austin, TX — $2.4M (2020) · purchase · SouthStar Bank, S.S.B.
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.8M (75%)
Approval → funding
42 days
Approved
8/19/2020
First disbursed
9/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Trusts, Estates, and Agency Accounts
If you were the buyer here
Est. deal size
$2.7M
Est. down payment (10%)
$271K
Est. cash at closing
$374K
Monthly payment
$14,637
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 SouthStar Bank, S.S.B. · Lender record →
Your business? Claim this record · Request removal
French Clan - TX Hill Country LLC in Leander, TX — $1.0M (2020) · SouthStar Bank, S.S.B.
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$750K (75%)
Approval → funding
45 days
Approved
8/16/2020
First disbursed
9/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Existing or more than 2 years old
Industry
Automotive Parts and Accessories Stores
Funded by SouthStar Bank, S.S.B. · Lender record →
Your business? Claim this record · Request removal

Buying a LINE-X? Start with a lender that has funded the brand

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

Agent summary

How to finance a LINE-X 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.

$510K typical LINE-X loan
17 lenders fund the brand
34 days typical to fund

Buyers researching a LINE-X 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 LINE-X 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/line-x
API:: https://www.capbench.com/api/public/lenders?franchise=line-x
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.