How have SBA loans in Automotive Transmission Repair turned out?
Of 1,036 loans approved in fiscal 2000 to 2021 (at least five years old), 275 (26.5%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Automotive Transmission Repair appears on 1,043 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2025, $203.9 million 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 Transmission Repair appears on 1,043 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2025, $203.9 million in gross approvals.
Of 1,036 loans approved in fiscal 2000 to 2021 (at least five years old), 275 (26.5%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years.
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.
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 year
Loans
Approved
Paid in full
Charged off
Not yet resolved
Charged-off share
FY2000
45
$10.4 million
35
10
0
22.2%
FY2001
94
$23.3 million
66
28
0
29.8%
FY2002
104
$19.9 million
80
23
1
22.1%
FY2003
115
$13.9 million
90
25
0
21.7%
FY2004
104
$14.4 million
62
41
1
39.4%
FY2005
77
$12.4 million
49
27
1
35.1%
FY2006
81
$12.6 million
54
26
1
32.1%
FY2007
79
$12.1 million
45
31
3
39.2%
FY2008
55
$12.5 million
28
27
0
49.1%
FY2009
24
$5.1 million
16
7
1
29.2%
FY2010
16
$4.7 million
12
4
0
25.0%
FY2011
23
$5.9 million
21
1
1
4.3%
FY2012
24
$2.4 million
23
1
0
4.2%
FY2013
26
$5.6 million
22
2
2
7.7%
FY2014
20
$3.0 million
16
3
1
15.0%
FY2015
19
$3.4 million
15
2
2
10.5%
FY2016
24
$6.2 million
16
3
5
12.5%
FY2017
20
$5.2 million
13
4
3
20.0%
FY2018
33
$6.7 million
20
6
7
18.2%
FY2019
19
$8.2 million
12
2
5
10.5%
FY2020
11
$3.8 million
5
1
5
9.1%
FY2021
23
$10.1 million
11
1
11
4.3%
FY2022
5
$1.6 million
2
0
3
too recent for a share
FY2023
1
$360,000
0
0
1
too recent for a share
FY2025
1
$115,000
0
0
1
too recent for a share
By state, where 30 or more loans are at least five years old
State
Loans (FY2000 to 2021)
Charged off
Share
Texas
147
53
36.0%
California
133
30
22.6%
Pennsylvania
69
18
26.1%
Florida
56
25
44.6%
Ohio
51
16
31.4%
New York
49
11
22.4%
Arizona
31
9
29.0%
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.