Automotive · lender intelligence

How to finance a Tire Factory/Point S

State:

The SBA 7(a) lenders funding the most Tire Factory/Point S deals, ranked from public loan records — typical Tire Factory/Point S loan about $444K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Tire Factory/Point S

$444K

Typical loan

range $25K–$446K

$493K

Est. purchase price

≈ loan ÷ 90%

$65,924

Cash to close

$49,289 down + fees

$5,740/mo

Typical payment

~9.5% · 10yr

$79,212/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

43 days

Typical time to fund

Lenders competing

more = leverage

8.67%

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 Tire Factory/Point S

Ranked by funded Tire Factory/Point S loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.83 loans · $31M · Sandy, UTFull record →
2.16 loans · $7M · Lakewood, WAFull record →
3.618 loans · $171M · Salt Lake City, UTFull record →

6+ funded Tire Factory/Point S 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.

JMC Tire, LLC in Saint Anthony, ID — $446K (2025) · Mountain America FCU
Program
7a General
Rate at approval
7.99% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$334K (75%)
Approval → funding
28 days
Approved
11/20/2024
First disbursed
12/18/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
New Business or 2 years or less
Industry
Automotive Parts and Accessories Retailers
Funded by Mountain America FCU · Lender record →
Your business? Claim this record · Request removal
JMC Tire, LLC in Saint Anthony, ID — $25K (2025) · Mountain America FCU
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
14% variable
Term
84 mo (7 yrs)
SBA guaranteed
$13K (50%)
Approved
12/2/2024
Loan status
Committed
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
10
Business age
New Business or 2 years or less
Industry
Automotive Parts and Accessories Retailers
Funded by Mountain America FCU · Lender record →
Your business? Claim this record · Request removal
DANNY'S TIRE SHOP, LLC in Saint Anthony, ID — $444K (2023) · Mountain America FCU
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$333K (75%)
Approval → funding
14 days
Approved
12/2/2022
First disbursed
12/16/2022
Loan status
Paid in full (11/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Existing or more than 2 years old
Industry
Automotive Parts and Accessories Retailers
Funded by Mountain America FCU · Lender record →
Your business? Claim this record · Request removal
DANNY'S TIRE SHOP, LLC in Saint Anthony, ID — $25K (2023) · Mountain America FCU
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
84 mo (7 yrs)
SBA guaranteed
$13K (50%)
Approved
12/5/2022
Loan status
Cancelled
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
14
Business age
Existing or more than 2 years old
Industry
Automotive Parts and Accessories Retailers
Funded by Mountain America FCU · Lender record →
Your business? Claim this record · Request removal
Precision Tire & Auto Center, Inc. in Oak Harbor, WA — $490K (2020) · purchase · Harborstone CU
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$368K (75%)
Approval → funding
43 days
Approved
5/18/2020
First disbursed
6/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Change of Ownership
Industry
Tire Dealers
If you were the buyer here
Est. deal size
$544K
Est. down payment (10%)
$54K
Est. cash at closing
$73K
Monthly payment
$5,440
Annual debt service
$65K
Cash flow needed (1.25×)
$82K
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 Harborstone CU · Lender record →
Your business? Claim this record · Request removal
ASHBY FAMILY HOLDINGS INC in West Jordan, UT — $285K (2020) · purchase · Zions Bank, A Division of
Program
7a General
Rate at approval
6.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$214K (75%)
Approval → funding
46 days
Approved
11/15/2019
First disbursed
12/31/2019
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
General Automotive Repair
If you were the buyer here
Est. deal size
$317K
Est. down payment (10%)
$32K
Est. cash at closing
$42K
Monthly payment
$3,236
Annual debt service
$39K
Cash flow needed (1.25×)
$49K
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 Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal

Buying a Tire Factory/Point S? 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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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Tire Factory/Point S businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Tire Factory/Point S 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. Mountain America FCU funds the most. CapBench is not a lender.

$444K typical Tire Factory/Point S loan
3 lenders fund the brand
43 days typical to fund

Buyers researching a Tire Factory/Point S 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 Tire Factory/Point S record

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.
Canonical:: https://www.capbench.com/lenders/franchise/tire-factory-point-s
API:: https://www.capbench.com/api/public/lenders?franchise=tire-factory-point-s
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.