SBA by NAICS · 811191
SBA lenders for NAICS 811191: Automotive Oil Change and Lubrication Shops
51 lenders made 184 SBA loans to businesses in NAICS 811191, Automotive Oil Change and Lubrication Shops, in the 36 months ending September 30, 2026, $138.9M in all. Live Oak Banking Company made the most, with 38. The typical loan was about $480K.
- Evidence
- SBA 7(a) and 504 loans in NAICS 811191
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 51
- SBA FOIA,
- SBA loans, 36 months
- 184
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $139M
- SBA FOIA,
- Typical loan
- $480K
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for NAICS 811191: Automotive Oil Change and Lubrication Shops, https://lender.report/sba-lenders-for/naics/811191/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | Last 12 months |
|---|---|---|---|---|---|
| Live Oak Banking Company SBA 7(a) record | Bank | Wilmington, NC | 38 | $38.5M | 13 |
| The Huntington National Bank SBA 7(a) record | Bank | Columbus, OH | 9 | $2.81M | 2 |
| Readycap Lending, LLC SBA 7(a) record | Non-bank | Berkeley Heights, NJ | 6 | $1.01M | 1 |
| U.S. Bank National Association SBA 7(a) record | Bank | Cincinnati, OH | 5 | $2.97M | 1 |
| Byline Bank SBA 7(a) record | Bank | Chicago, IL | 4 | $4.55M | 0 |
| Valley National Bank SBA 7(a) record | Bank | Passaic, NJ | 4 | $3.27M | 0 |
| Celtic Bank SBA 7(a) record | Bank | Salt Lake City, UT | 4 | $433K | 1 |
| Milestone Bank SBA 7(a) record | Bank | Salt Lake City, UT | 2 | $2.73M | 0 |
| Heritage Bank SBA 7(a) record | Bank | Olympia, WA | 2 | $2.59M | 2 |
| JPMorgan Chase Bank, National Association SBA 7(a) record | Bank | Columbus, OH | 2 | $1.60M | 0 |
| Stearns Bank National Association SBA 7(a) record | Bank | Saint Cloud, MN | 2 | $1.03M | 0 |
| Bank of America, National Association SBA 7(a) record | Bank | Charlotte, NC | 2 | $300K | 0 |
| Oakstar Bank SBA 7(a) record | Bank | Springfield, MO | 2 | $230K | 0 |
| Eastern Bank SBA 7(a) record | Bank | Boston, MA | 2 | $135K | 0 |
| Everwise Credit Union SBA 7(a) record | Credit union | South Bend, IN | 1 | $5.00M | 0 |
| American Momentum Bank SBA 7(a) record | Bank | College Station, TX | 1 | $3.20M | 1 |
| Citizens Bank SBA 7(a) record | Bank | Elizabethton, TN | 1 | $3.10M | 1 |
| Vallant Bank SBA 7(a) record | Bank | Elberton, GA | 1 | $2.40M | 1 |
| Colony Bank SBA 7(a) record | Bank | Fitzgerald, GA | 1 | $2.30M | 1 |
| Merchants Bank of Indiana SBA 7(a) record | Bank | Carmel, IN | 1 | $2.30M | 0 |
| Dfcu Financial Credit Union SBA 7(a) record | Credit union | Dearborn, MI | 1 | $2.20M | 0 |
| First National Bank of Pennsylvania SBA 7(a) record | Bank | Greenville, PA | 1 | $2.10M | 1 |
| First Merchants Bank SBA 7(a) record | Bank | Muncie, IN | 1 | $1.40M | 0 |
| City National Bank of Florida SBA 7(a) record | Bank | Miami, FL | 1 | $1.30M | 0 |
| Pinnacle Bank SBA 7(a) record | Bank | Nashville, TN | 1 | $1.30M | 0 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| State | Loans | Dollars |
|---|---|---|
| California | 25 | $17.8M |
| Texas | 21 | $18.2M |
| Florida | 18 | $17.7M |
| Arizona | 8 | $7.88M |
| Colorado | 8 | $9.85M |
| Georgia | 7 | $8.43M |
| Michigan | 7 | $942K |
| North Carolina | 7 | $5.39M |
| Illinois | 6 | $3.19M |
| Massachusetts | 6 | $5.68M |
| Washington | 6 | $5.33M |
| Missouri | 5 | $1.12M |
| Mississippi | 5 | $4.50M |
| New York | 5 | $2.53M |
| Virginia | 5 | $2.61M |
| Loan size | Loans |
|---|---|
| Under $150K | 28 |
| $150K to $350K | 27 |
| $350K to $1M | 36 |
| $1M to $2.5M | 28 |
| $2.5M or more | 5 |
- SBA lenders recorded 184 loans to businesses in NAICS 811191 totaling $138.9M nationwide in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $480K, with the middle half between $150K and $1.3M. SBA FOIA,
- 162 were SBA 7(a) loans and 22 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 9.75% on 114 loans. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Banks and savings institutions made 110 of the loans, credit unions 2, and non-banks 9. SBA FOIA,
- The five most active lenders made 33.7% of the loans. SBA FOIA,
- The three most active lenders were Live Oak Banking Company with 38, The Huntington National Bank with 9, and Readycap Lending, LLC with 6. SBA FOIA,
- 28 of the loans were under $150K, and 33 were $1M or more. SBA FOIA,
- 63 of these loans were made by lenders that have since merged or closed, that the file lists under a name with no lender record here, or that the loan tape shows only at a broader industry level. They are counted in the totals here and appear in no lender's row. SBA FOIA,
- The SBA file shows 54 approvals of these loans dated in the 12 months to September 30, 2026, versus 75 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- California (25), Texas (21), Florida (18) recorded the most of these loans. SBA FOIA,
- NAICS 811191 is Automotive Oil Change and Lubrication Shops, in the Other Services (except Public Administration) sector. SBA FOIA,
- The lenders are based most often in California, Florida and Ohio. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to businesses in NAICS 811191, Automotive Oil Change and Lubrication Shops
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens dated in the 36 months ending September 30, 2026 and not cancelled whose NAICS code the SBA file shows as 811191, at 6 digits.
- Order
- Largest first by loans nationally, then dollars, then name. Payment is not part of the order.
- As of
- September 30, 2026
- Source
- SBA FOIA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new SBA loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and these pages leave out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
A 6-digit code is printed only where the SBA file holds 5 or more loans of that program in that state, so loans the file shows only as a 2-digit sector are not counted here. Loans are approvals, net of cancelled approvals. Lenders that merged or stopped filing are left out.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.