SBA loan outcome check · industry · SBA data as of 30 September 2026

How have SBA loans in Automotive Parts and Accessories Stores turned out?

Of 5,027 loans approved in fiscal 2000 to 2021 (at least five years old), 904 (18.0%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Automotive Parts and Accessories Stores appears on 5,111 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $1.2 billion in gross approvals. These are loans, not a rating.
Not financial, legal or franchise advice. This page reports what the SBA's loan file records for SBA-guaranteed loans. A charge-off rate is not a rating of a brand or an industry, it does not predict a new loan, and a franchisee's loan is not a measure of the franchisor. Read the franchise's disclosure document and talk to a lender or an adviser before you borrow.
Automotive Parts and Accessories StoresIndustry NAICS 441310 · 5,111 loans
18%of seasoned loans charged off
  1. Automotive Parts and Accessories Stores appears on 5,111 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $1.2 billion in gross approvals.
  2. Of 5,027 loans approved in fiscal 2000 to 2021 (at least five years old), 904 (18.0%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years.
  3. A charge-off is a loan the lender wrote off. It is not a statement about the borrower, the brand or the franchisor, and it does not predict how a new loan will turn out.
0%42%Fiscal 2000: 6 of 36 loans charged off (16.7%)Fiscal 2001: 43 of 245 loans charged off (17.6%)Fiscal 2002: 39 of 322 loans charged off (12.1%)Fiscal 2003: 54 of 364 loans charged off (14.8%)Fiscal 2004: 101 of 419 loans charged off (24.1%)Fiscal 2005: 124 of 469 loans charged off (26.4%)Fiscal 2006: 132 of 386 loans charged off (34.2%)Fiscal 2007: 157 of 376 loans charged off (41.8%)Fiscal 2008: 87 of 276 loans charged off (31.5%)Fiscal 2009: 30 of 160 loans charged off (18.8%)Fiscal 2010: 15 of 148 loans charged off (10.1%)Fiscal 2011: 13 of 190 loans charged off (6.8%)Fiscal 2012: 11 of 161 loans charged off (6.8%)Fiscal 2013: 10 of 143 loans charged off (7.0%)Fiscal 2014: 15 of 191 loans charged off (7.9%)Fiscal 2015: 14 of 212 loans charged off (6.6%)Fiscal 2016: 13 of 218 loans charged off (6.0%)Fiscal 2017: 11 of 175 loans charged off (6.3%)Fiscal 2018: 9 of 156 loans charged off (5.8%)Fiscal 2019: 12 of 131 loans charged off (9.2%)Fiscal 2020: 3 of 95 loans charged off (3.2%)Fiscal 2021: 5 of 154 loans charged off (3.2%)20002002200420062008201020122014201620182020
share of this group's loans charged off, by approval year (years with 10+ loans)all 7(a) loans, same year

Every approval year

Approval yearLoansApprovedPaid in fullCharged offNot yet resolvedCharged-off share
FY200036$8.1 million306016.7%
FY2001245$37.7 million20243017.6%
FY2002322$56.5 million28239112.1%
FY2003364$45.8 million31054014.8%
FY2004419$59.9 million317101124.1%
FY2005469$53.4 million344124126.4%
FY2006386$45.2 million253132134.2%
FY2007376$46.9 million216157341.8%
FY2008276$44.6 million18787231.5%
FY2009160$32.9 million12930118.8%
FY2010148$26.1 million12815510.1%
FY2011190$54.3 million1741336.8%
FY2012161$56.6 million1421186.8%
FY2013143$48.3 million12210117.0%
FY2014191$50.9 million1681587.9%
FY2015212$67.4 million17714216.6%
FY2016218$67.5 million18313226.0%
FY2017175$54.1 million13511296.3%
FY2018156$72.8 million1069415.8%
FY2019131$55.0 million8212379.2%
FY202095$40.9 million593333.2%
FY2021154$110.3 million685813.2%
FY202252$22.1 million12139too recent for a share
FY202321$2.9 million0021too recent for a share
FY20245$880,000203too recent for a share
FY20255$2.7 million005too recent for a share
FY20261$350,000001too recent for a share

By state, where 30 or more loans are at least five years old

StateLoans (FY2000 to 2021)Charged offShare
California72514119.4%
Texas3777820.7%
Puerto Rico2694416.4%
Florida2628331.7%
New York2313716.0%
Ohio2283013.2%
Michigan2043718.1%
Pennsylvania2013215.9%
Minnesota156159.6%
Illinois1222923.8%
Washington1112018.0%
Massachusetts1101311.8%

US Small Business Administration, 7(a) FOIA loan data as of 30 September 2026. SBA-guaranteed 7(a) loans only, aggregated; no borrower or lender is shown. SBA open data.

Where can you go from this record?

Open it in the check to search another brand or industry. Before you borrow for a business in this industry, read the FTC consumer guide to buying a franchise, the SBA guide to buying a franchise and SBA Lender Match.

Compiled and checked by Vincent Wesley Couey (ORCID 0009-0005-6869-308X) from the SBA 7(a) FOIA loan data, as of 30 September 2026. Not an official source.

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