Automotive · lender intelligence

How to finance a Maaco in California

State:

The SBA 7(a) lenders funding the most Maaco deals in California, from public loan records — typical Maaco loan about $500K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Maaco in California

$385K

Typical loan

range $245K–$443K

$428K

Est. purchase price

≈ loan ÷ 90%

$57,216

Cash to close

$42,778 down + fees

$4,982/mo

Typical payment

~9.5% · 10yr

$68,752/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

33 days

Typical time to fund

Lenders competing

more = leverage

7.1%

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 Maaco in California

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

1.154 loans · $26M · San Diego, CAFull record →
2.29 loans · $28M · Quincy, CAFull record →
3.40 loans · $42M · Englewood Cliffs, NJFull record →
4.21 loans · $5M · Spartanburg, SCFull record →
5.3 loans · $2M · Minneapolis, MNFull record →
6.1,296 loans · $1.4B · Wilmington, NCFull record →

7+ funded Maaco 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.

JM Paradise Inc in Bakersfield, CA — $245K (2026) · CDC Small Business Finance Corp.
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$184K (75%)
Approved
2/24/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Startup, Loan Funds will Open Business
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by CDC Small Business Finance Corp. · Lender record →
Your business? Claim this record · Request removal
Renovation Recon, Inc. in Laguna Niguel, CA — $50K (2024) · Northeast Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$43K (85%)
Approval → funding
5 days
Approved
11/16/2023
First disbursed
11/21/2023
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Existing or more than 2 years old
Industry
Automotive Parts and Accessories Retailers
Funded by Northeast Bank · Lender record →
Your business? Claim this record · Request removal
Fantastic Plus Auto Body Inc. in San Jose, CA — $639K (2022) · Southern Bank
Program
7a General
Rate at approval
6.25% variable
Term
126 months
SBA guaranteed
$479K (75%)
Approved
5/4/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
21
Business age
Startup, Loan Funds will Open Business
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by Southern Bank · Lender record →
Your business? Claim this record · Request removal
Central Valley MAACO in Fresno, CA — $443K (2021) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
3.68% variable
Term
168 mo (14 yrs)
SBA guaranteed
$399K (90%)
Approved
9/22/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Startup, Loan Funds will Open Business
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
TD Automotive Inc. in Fresno, CA — $404K (2021) · ConnectOne Bank
Program
7a General
Rate at approval
6% variable
Term
126 months
SBA guaranteed
$303K (75%)
Approval → funding
55 days
Approved
10/6/2020
First disbursed
11/30/2020
Loan status
Paid in full (2/28/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by ConnectOne Bank · Lender record →
Your business? Claim this record · Request removal
JPEP Inc. in Modesto, CA — $385K (2020) · purchase · Plumas Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$289K (75%)
Approval → funding
33 days
Approved
7/29/2020
First disbursed
8/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Change of Ownership
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
If you were the buyer here
Est. deal size
$428K
Est. down payment (10%)
$43K
Est. cash at closing
$57K
Monthly payment
$4,178
Annual debt service
$50K
Cash flow needed (1.25×)
$63K
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 Plumas Bank · Lender record →
Your business? Claim this record · Request removal
MAACO in Stockton, CA — $350K (2020) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
6 days
Approved
3/25/2020
First disbursed
3/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Existing or more than 2 years old
Industry
General Automotive Repair
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal

Buying a Maaco 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.

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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.

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 Maaco loans with a California project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Maaco 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. CDC Small Business Finance Corp. funds the most here. CapBench is not a lender.

$500K typical Maaco loan
7 lenders active in California
7+ funded California deals
33 days typical to fund

Buyers buying a Maaco 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.

Next steps

Pre-qualify this deal Talk to a loan broker All Maaco 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/maaco/california
API:: https://www.capbench.com/api/public/lenders?franchise=maaco
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.