Automotive · lender intelligence
How to finance a Tuffy Tire & Auto Service
The SBA 7(a) lenders funding the most Tuffy Tire & Auto Service deals, ranked from public loan records — typical Tuffy Tire & Auto Service loan about $926K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Tuffy Tire & Auto Service
$926K
Typical loan
range $467K–$1.21M
$1.03M
Est. purchase price
≈ loan ÷ 90%
$141,010
Cash to close
$102,833 down + fees
$11,976/mo
Typical payment
~9.5% · 10yr
$165,269/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
15 days
Typical time to fund
6
Lenders competing
more = leverage
6.76%
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 Tuffy Tire & Auto Service
Ranked by funded Tuffy Tire & Auto Service loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.2,539 loans · $965M · Columbus, OHFull record →
- 3.868 loans · $362M · Salt Lake City, UTFull record →
- 4.31 loans · $24M · Malvern, PAFull record →
23+ funded Tuffy Tire & Auto Service 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.
- Tuffy Tire & Auto Service in Appleton, WI — $150K (2026) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 11.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approved
- 2/12/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- All Other Automotive Repair and Maintenance
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
- Automotive First, Inc in Walled Lake, MI — $1.2M (2025) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $881K (75%)
- Approval → funding
- 64 days
- Approved
- 9/23/2025
- First disbursed
- 11/26/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Change of Ownership
- Industry
- General Automotive Repair
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $131K
- Est. cash at closing
- $179K
- Monthly payment
- $15,044
- Annual debt service
- $181K
- Cash flow needed (1.25×)
- $226K
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
- BJSH Investments Inc in Northville, MI — $926K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $694K (75%)
- Approval → funding
- 2 days
- Approved
- 10/25/2022
- First disbursed
- 10/27/2022
- 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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- TUFFY TIRE AND AUTO SERVICE in Gallatin, TN — $467K (2023) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $350K (75%)
- Approval → funding
- 15 days
- Approved
- 1/17/2023
- First disbursed
- 2/1/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 11
- Business age
- Startup, Loan Funds will Open Business
- Industry
- General Automotive Repair
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- D'GEARS PARTNERS LLC in Mesa, AZ — $350K (2023) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 12 days
- Approved
- 1/26/2023
- First disbursed
- 2/7/2023
- Loan status
- Paid in full (11/30/2024)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Change of Ownership
- Industry
- General Automotive Repair
If you were the buyer here
- Est. deal size
- $389K
- Est. down payment (10%)
- $39K
- Est. cash at closing
- $52K
- Monthly payment
- $4,386
- Annual debt service
- $53K
- Cash flow needed (1.25×)
- $66K
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
- SUFF4 LLC in Cincinnati, OH — $233K (2023) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $175K (75%)
- Approval → funding
- 15 days
- Approved
- 11/16/2022
- First disbursed
- 12/1/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- General Automotive Repair
If you were the buyer here
- Est. deal size
- $259K
- Est. down payment (10%)
- $26K
- Est. cash at closing
- $35K
- Monthly payment
- $2,735
- Annual debt service
- $33K
- Cash flow needed (1.25×)
- $41K
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
- BJSH Investments Inc in Northville, MI — $50K (2023) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 10/25/2022
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 8
- 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
- Tuffy Auto Service Centers of Grand Rapids MI in Grand Rapids, MI — $1.2M (2022) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $919K (75%)
- Approval → funding
- 28 days
- Approved
- 12/13/2021
- First disbursed
- 1/10/2022
- 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
- Automotive Oil Change and Lubrication Shops
Funded by Live Oak Banking Company · Lender record →
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- WLT LLC in Walled Lake, MI — $1.2M (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $900K (75%)
- Approval → funding
- 16 days
- Approved
- 12/1/2021
- First disbursed
- 12/17/2021
- Loan status
- Paid in full (11/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- Change of Ownership
- Industry
- All Other Automotive Repair and Maintenance
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $133K
- Est. cash at closing
- $183K
- Monthly payment
- $13,023
- Annual debt service
- $156K
- Cash flow needed (1.25×)
- $195K
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
- Tuffy Tire & Auto Service Richmond in Casco, MI — $1.1M (2022) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $858K (75%)
- Approval → funding
- 3 days
- Approved
- 10/28/2021
- First disbursed
- 10/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- New Business or 2 years or less
- Industry
- General Automotive Repair
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
- BACKSTAY LLC in Ocala, FL — $848K (2022) · Bank of America, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 1.99% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $636K (75%)
- Approval → funding
- 6 days
- Approved
- 1/25/2022
- First disbursed
- 1/31/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- General Automotive Repair
Funded by Bank of America, National Association · Lender record →
Your business? Claim this record · Request removal
- Jules Auto Repair LLC in Boynton Beach, FL — $626K (2022) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $470K (75%)
- Approved
- 5/10/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Existing or more than 2 years old
- Industry
- All Other Automotive Repair and Maintenance
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Tuffy Tire and Auto Service in Charlotte, NC — $575K (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $431K (75%)
- Approval → funding
- 42 days
- Approved
- 7/29/2022
- First disbursed
- 9/9/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- General Automotive Repair
If you were the buyer here
- Est. deal size
- $639K
- Est. down payment (10%)
- $64K
- Est. cash at closing
- $85K
- Monthly payment
- $6,602
- Annual debt service
- $79K
- Cash flow needed (1.25×)
- $99K
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
- SUFF2 LLC in Lewis Center, OH — $1.7M (2021) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.6M (90%)
- Approval → funding
- 68 days
- Approved
- 8/11/2021
- First disbursed
- 10/18/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 24
- 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
- Tuffy Auto Service Center in Lynn Haven, FL — $1.3M (2021) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $971K (75%)
- Approval → funding
- 26 days
- Approved
- 11/19/2020
- First disbursed
- 12/15/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 36
- Business age
- Existing or more than 2 years old
- Industry
- Automotive Parts and Accessories Stores
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Tuffy Auto Service Center of Grand Haven in Grand Haven, MI — $1.2M (2021) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.1M (90%)
- Approval → funding
- 7 days
- Approved
- 2/3/2021
- First disbursed
- 2/10/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- General Automotive Repair
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $134K
- Est. cash at closing
- $184K
- Monthly payment
- $7,608
- Annual debt service
- $91K
- Cash flow needed (1.25×)
- $114K
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
- TUFFY AUTO CENTER CLYDE PARK in Wyoming, MI — $969K (2021) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $727K (75%)
- Approval → funding
- 40 days
- Approved
- 10/21/2020
- First disbursed
- 11/30/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- General Automotive Repair
If you were the buyer here
- Est. deal size
- $1.1M
- Est. down payment (10%)
- $108K
- Est. cash at closing
- $148K
- Monthly payment
- $6,243
- Annual debt service
- $75K
- Cash flow needed (1.25×)
- $94K
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
- W.R. Automotive Group, Inc. in Charlotte, NC — $2.0M (2020) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.5M (75%)
- Approval → funding
- 16 days
- Approved
- 9/14/2020
- First disbursed
- 9/30/2020
- Loan status
- Paid in full (3/31/2025)
- 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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Coozak Inc in Fort Myers, FL — $1.8M (2020) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.55% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.4M (75%)
- Approval → funding
- 13 days
- Approved
- 10/18/2019
- First disbursed
- 10/31/2019
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- 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
- Tuffy Auto Center in Charlotte, NC — $935K (2020) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $701K (75%)
- Approval → funding
- 22 days
- Approved
- 3/9/2020
- First disbursed
- 3/31/2020
- Loan status
- Paid in full (3/31/2025)
- 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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Tuffy Tire & Auto Service businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Tuffy Tire & Auto Service 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. Live Oak Banking Company funds the most. CapBench is not a lender.
- $926K typical Tuffy Tire & Auto Service loan
- 6 lenders fund the brand
- 15 days typical to fund
Buyers researching a Tuffy Tire & Auto Service 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 2026-06-24.
- 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.