Franchise brands › AAMCO Transmissions and Total Car Care
Franchise brand119 approvals since FY2010
SBA loans to AAMCO Transmissions and Total Car Care franchises
Approvals SBA files under the brand's franchise code. The loans are to independent franchise owners; this page describes the brand in aggregate and no franchisee.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA lists 119 loan approvals since FY2010 under the AAMCO Transmissions and Total Car Care franchise brand, worth $57.4M; 69 of them came in FY2021 to FY2025.
In FY2025 there were 17. The average approval in the five-year window was $568K, and 5 of the approvals were 504 loans.
30 lenders made the FY2021 to FY2025 loans across 21 states; the most active were Newtek Small Business Finance, Inc. (11), The Huntington National Bank (9) and First Bank of the Lake (4).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 10.0% as charged off, above the 6.0% for all SBA loans from those years. The figures describe loans to independent franchise owners, not the franchisor.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Loans by fiscal year
| Fiscal year | Approvals | Dollars approved | Average approval | of which 504 | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 18 | $7.8M | $432K | 0 | 95 |
| FY2025 | 17 | $15.6M | $920K | 1 | 101 |
| FY2024 | 7 | $3.9M | $552K | 1 | 43 |
| FY2023 | 18 | $8.7M | $481K | 2 | 96 |
| FY2022 | 16 | $7.7M | $480K | 0 | 98 |
| FY2021 | 11 | $3.3M | $302K | 1 | 54 |
| FY2020 | 8 | $1.9M | $236K | 0 | 57 |
| FY2019 | 14 | $6.1M | $439K | 1 | 79 |
| FY2018 | 7 | $1.6M | $230K | 1 | 39 |
| FY2017 | 1 | — | — | 0 | 19 |
| FY2016 | 0 | — | — | 0 | 0 |
SBA's franchise field lists the brand as "AAMCO Transmissions and Total Car Care". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | AAMCO Transmissions and Total Car Care | All SBA loans |
|---|---|---|
| Approvals in these years | 43 | 725,496 |
| Cancelled or never disbursed | 3 | 91,827 |
| Disbursed loans | 40 | 633,669 |
| Paid in full | 13 | 471,304 |
| Charged off | 4 | 37,796 |
| Still outstanding (status exempt from disclosure) | 23 | 124,569 |
| Charged off, share of disbursed loans | 10.0% | 6.0% |
| Dollars charged off, share of disbursed dollars | 6.9% | 2.2% |
| Dollars charged off | $871K | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Newtek Small Business Finance, Inc.Lake Success, NY | 11 | $3.1M | 15.9% | |
| 2 | The Huntington National BankColumbus, OH | 9 | $2.3M | 13.0% | |
| 3 | First Bank of the LakeOsage Beach, MO | 4 | $4.0M | 5.8% | |
| 4 | CIBC Bank USAChicago, IL | 4 | $3.0M | 5.8% | |
| 5 | The Fidelity BankFuquay Varina, NC | 4 | $2.1M | 5.8% | |
| 6 | Live Oak Banking CompanyWilmington, NC | 3 | $4.7M | 4.3% | |
| 7 | Fulton Bank, National AssociationLancaster, PA | 3 | $2.5M | 4.3% | |
| 8 | Security State Bank and TrustFredericksburg, TX | 3 | $1.2M | 4.3% | |
| 9 | First Commonwealth BankIndiana, PA | 2 | — | 2.9% | |
| 10 | Newtek Bank, National AssociationMiami, FL | 2 | — | 2.9% | |
| 11 | Citizens BankElizabethton, TN | 2 | — | 2.9% | |
| 12 | Quaint Oak BankSouthampton, PA | 2 | — | 2.9% | |
| 13 | Texas Capital BankDallas, TX | 1 | — | 1.4% | |
| 14 | First Internet Bank of IndianaFishers, IN | 1 | — | 1.4% | |
| 15 | TowneBankPortsmouth, VA | 1 | — | 1.4% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Texas | 18 | 26.1% | |
| 2 | Florida | 7 | 10.1% | |
| 3 | Virginia | 5 | 7.2% | |
| 4 | North Carolina | 5 | 7.2% | |
| 5 | South Carolina | 5 | 7.2% | |
| 6 | Oklahoma | 4 | 5.8% | |
| 7 | Pennsylvania | 4 | 5.8% | |
| 8 | New Jersey | 3 | 4.3% | |
| 9 | Utah | 2 | 2.9% | |
| 10 | Oregon | 2 | 2.9% | |
| 11 | New York | 2 | 2.9% | |
| 12 | Indiana | 2 | 2.9% | |
| 13 | Tennessee | 2 | 2.9% | |
| 14 | Washington | 1 | 1.4% | |
| 15 | Maryland | 1 | 1.4% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Automotive Repair and MaintenanceNAICS 8111 | 68 | 98.6% | |
| 2 | General Freight TruckingNAICS 4841 | 1 | 1.4% |
Approval sizes
- $50,000 or less5.8%4
- $50,001 to $150,00013.0%9
- $150,001 to $350,00034.8%24
- $350,001 to $1 million33.3%23
- $1 million to $2 million10.1%7
- Over $2 million2.9%2
Age of the businesses
- Existing, more than 2 years old24.6%17
- New business, 2 years or less20.3%14
- Startup, loan funds will open the business30.4%21
- Change of ownership24.6%17
Questions and answers
How many SBA loans go to AAMCO Transmissions and Total Car Care franchises?
119 approvals since FY2010, worth $57.4M; 69 in FY2021 to FY2025.
Which lenders make SBA loans for AAMCO Transmissions and Total Car Care franchises?
By approvals in FY2021 to FY2025: Newtek Small Business Finance, Inc. (11), The Huntington National Bank (9), First Bank of the Lake (4), CIBC Bank USA (4), The Fidelity Bank (4).
How large is a typical SBA loan for a AAMCO Transmissions and Total Car Care franchise?
The average approval in FY2021 to FY2025 was $568K.
What share of AAMCO Transmissions and Total Car Care SBA loans are charged off?
Of 40 disbursed loans approved in FY2010 to FY2021, 4 (10.0%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to AAMCO Transmissions and Total Car Care franchises rising?
Approvals in the three latest complete fiscal years total 42, against 35 in the three before: rising (+20%).
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error