Best SBA 7(a) lenders for automotive oil change and lubrication shops
NAICS 811191 — Automotive Oil Change and Lubrication Shops.
404 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $297.4M.
Loans
404
Total $
$297.4M
Avg loan
$736K
Avg rate
7.75%
Avg term
181 mo
Industry chg-off rate
1.14%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 128 | $129.5M | $1.0M | 7.38% | 0.00% |
| 2 | The Huntington National Bank | 38 | $4.7M | $123K | 8.49% | 0.00% |
| 3 | Celtic Bank Corporation | 9 | $8.6M | $958K | 8.81% | 0.00% |
| 4 | The Bancorp Bank National Association | 9 | $8.5M | $947K | 6.31% | 0.00% |
| 5 | U.S. Bank, National Association | 9 | $1.1M | $121K | 8.95% | 0.00% |
| 6 | Byline Bank | 7 | $7.4M | $1.1M | 8.93% | 0.00% |
| 7 | Zions Bank, A Division of | 7 | $4.8M | $684K | 7.34% | 0.00% |
| 8 | Readycap Lending, LLC | 7 | $1.1M | $150K | 13.57% | — |
| 9 | Citizens Bank | 7 | $8.4M | $1.2M | 7.29% | 0.00% |
| 10 | OakStar Bank | 6 | $599K | $100K | 8.38% | 0.00% |
| 11 | First Bank of the Lake | 5 | $3.6M | $718K | 9.00% | 0.00% |
| 12 | BayFirst National Bank | 5 | $1.4M | $274K | 12.35% | — |
| 13 | Mountain America FCU | 4 | $2.3M | $579K | 9.37% | 0.00% |
| 14 | Bank of America, National Association | 4 | $2.0M | $507K | 6.00% | 0.00% |
| 15 | Centier Bank | 4 | $572K | $143K | 7.88% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 811191. Charge-off rates are calculated on the FY2020–FY2023 cohort only.