Franchise brands › Napa AutoCare Program Membership Agreement
Franchise brand92 approvals since FY2011
SBA loans to Napa AutoCare Program Membership Agreement 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.
Since FY2011, 92 SBA loan approvals worth $53.3M carry the Napa AutoCare Program Membership Agreement franchise code, 56 of them in FY2021 to FY2025.
In FY2025 there were 6. The average approval in the five-year window was $671K, and 21 of the approvals were 504 loans.
41 lenders made the FY2021 to FY2025 loans across 28 states; the most active were Empire State Certified Development Corporation (4), The Huntington National Bank (3) and Dream First Bank National Association (3).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 2.2% as charged off, below 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* | 2 | — | — | 1 | 36 |
| FY2025 | 6 | $4.8M | $807K | 1 | 57 |
| FY2024 | 3 | $1.8M | $605K | 1 | 15 |
| FY2023 | 4 | $2.4M | $611K | 0 | 46 |
| FY2022 | 24 | $16.6M | $693K | 12 | 730 |
| FY2021 | 19 | $11.8M | $622K | 7 | 232 |
| FY2020 | 15 | $5.6M | $373K | 10 | 84 |
| FY2019 | 11 | $4.4M | $397K | 5 | 79 |
| FY2018 | 5 | $2.6M | $522K | 1 | 66 |
| FY2017 | 1 | — | — | 1 | 4 |
| FY2016 | 1 | — | — | 1 | 4 |
SBA's franchise field lists the brand as "Napa AutoCare Program Membership Agreement". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Napa AutoCare Program Membership Agreement | All SBA loans |
|---|---|---|
| Approvals in these years | 53 | 725,496 |
| Cancelled or never disbursed | 7 | 91,827 |
| Disbursed loans | 46 | 633,669 |
| Paid in full | 11 | 471,304 |
| Charged off | 1 | 37,796 |
| Still outstanding (status exempt from disclosure) | 34 | 124,569 |
| Charged off, share of disbursed loans | 2.2% | 6.0% |
| Dollars charged off, share of disbursed dollars | 1.5% | 2.2% |
| Dollars charged off | $361K | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Empire State Certified Development CorporationLatham, NY · CDC | 4 | $3.0M | 7.1% | |
| 2 | The Huntington National BankColumbus, OH | 3 | $1.7M | 5.4% | |
| 3 | Dream First Bank National AssociationSyracuse, KS | 3 | $1.2M | 5.4% | |
| 4 | Fifth Third BankCincinnati, OH | 2 | — | 3.6% | |
| 5 | Live Oak Banking CompanyWilmington, NC | 2 | — | 3.6% | |
| 6 | Nicolet National BankGreen Bay, WI | 2 | — | 3.6% | |
| 7 | Northeast BankLewiston, ME | 2 | — | 3.6% | |
| 8 | Southern Development CouncilMountain Brook, AL · CDC | 2 | — | 3.6% | |
| 9 | Granite State Economic Development CorporationPortsmouth, NH · CDC | 2 | — | 3.6% | |
| 10 | Mountain West Small Business FinanceSalt Lake City, UT · CDC | 1 | — | 1.8% | |
| 11 | Citizens State Bank of New CastleNew Castle, IN | 1 | — | 1.8% | |
| 12 | Central Savings BankSault Sainte Marie, MI | 1 | — | 1.8% | |
| 13 | Gulf Coast Bank and Trust CompanyNew Orleans, LA | 1 | — | 1.8% | |
| 14 | Readycap Lending, LLCBerkeley Heights, NJ | 1 | — | 1.8% | |
| 15 | TD Bank, National AssociationWilmington, DE | 1 | — | 1.8% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | New York | 6 | 10.7% | |
| 2 | Michigan | 5 | 8.9% | |
| 3 | Pennsylvania | 4 | 7.1% | |
| 4 | Wisconsin | 4 | 7.1% | |
| 5 | Colorado | 3 | 5.4% | |
| 6 | Arizona | 3 | 5.4% | |
| 7 | Florida | 3 | 5.4% | |
| 8 | Texas | 3 | 5.4% | |
| 9 | Indiana | 2 | 3.6% | |
| 10 | North Carolina | 2 | 3.6% | |
| 11 | Kansas | 2 | 3.6% | |
| 12 | Minnesota | 2 | 3.6% | |
| 13 | Alabama | 2 | 3.6% | |
| 14 | Wyoming | 1 | 1.8% | |
| 15 | Missouri | 1 | 1.8% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 24 | 42.9% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 23 | 41.1% | |
| 3 | Motor Vehicle and Motor Vehicle Parts and Supplies Merchant WholesalersNAICS 4231 | 6 | 10.7% | |
| 4 | General Freight TruckingNAICS 4841 | 2 | 3.6% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 1 | 1.8% |
Approval sizes
- $50,000 or less3.6%2
- $50,001 to $150,0005.4%3
- $150,001 to $350,00033.9%19
- $350,001 to $1 million37.5%21
- $1 million to $2 million16.1%9
- Over $2 million3.6%2
Age of the businesses
- Existing, more than 2 years old60.7%34
- New business, 2 years or less3.6%2
- Startup, loan funds will open the business12.5%7
- Change of ownership23.2%13
Questions and answers
How many SBA loans go to Napa AutoCare Program Membership Agreement franchises?
92 approvals since FY2011, worth $53.3M; 56 in FY2021 to FY2025.
Which lenders make SBA loans for Napa AutoCare Program Membership Agreement franchises?
By approvals in FY2021 to FY2025: Empire State Certified Development Corporation (4), The Huntington National Bank (3), Dream First Bank National Association (3), Fifth Third Bank (2), Live Oak Banking Company (2).
How large is a typical SBA loan for a Napa AutoCare Program Membership Agreement franchise?
The average approval in FY2021 to FY2025 was $671K.
What share of Napa AutoCare Program Membership Agreement SBA loans are charged off?
Of 46 disbursed loans approved in FY2010 to FY2021, 1 (2.2%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to Napa AutoCare Program Membership Agreement franchises rising?
Approvals in the three latest complete fiscal years total 13, against 58 in the three before: falling (-78%).
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