Acquisition Lender Index

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Automotive Oil Change and Lubrication Shops: SBA acquisition lenders

26 SBA 7(a) loans financed acquisitions classified as Automotive Oil Change and Lubrication Shops nationwide, FY2024–FY2026. Ranked lenders, loan sizes, rates and state-by-state activity.

SBA 7(a) change-of-ownership approvals · FY2024–FY2026 · Built November 10, 2026

Acquisitions financed
26
Total approved
$29.3M
Median loan
$765K
Middle half of loans
$312K to $1.8M
Median starting rate
9.00%
Median term
10 yrs

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Lenders financing the most acquisitions in this industry

#LenderLoansShareMedian loanTotal approved
1 Live Oak Banking Company 1246%$1.2M$15.3M
2 PlainsCapital Bank 28%$1.5M$3.0M
3 Heritage Bank 28%$1.3M$2.6M
4 The Huntington National Bank 28%$1.0M$2.0M
5 American Momentum Bank 14%$3.2M$3.2M
6 Milestone Bank 14%$919K$919K
7 The Bancorp Bank National Association 14%$802K$802K
8 Plumas Bank 14%$418K$418K
9 First Bank 14%$407K$407K
10 Bank Michigan 14%$229K$229K
11 Trustmark Bank 14%$139K$139K
12 Integrity Bank & Trust 14%$137K$137K

Activity by state

StateLoansMedian loanTotal approved
California7$1.1M$9.2M
Texas7$300K$6.9M
North Carolina2$2.0M$3.9M
Washington2$1.3M$2.6M
Colorado2$194K$387K
Arkansas1$2.3M$2.3M
Mississippi1$2.0M$2.0M
Kentucky1$919K$919K
South Carolina1$407K$407K
Arizona1$350K$350K
Michigan1$229K$229K

Deals by SBA fiscal year

FY201916 loans, $16.9M
FY202011 loans, $9.4M
FY202120 loans, $23.9M
FY202214 loans, $12.7M
FY202310 loans, $8.5M
FY20244 loans, $2.3M
FY202514 loans, $18.1M
FY20268 loans, $8.9M