SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
Automotive Parts and Accessories Stores Franchise Failure Rates: SBA Loan Defaults for 3 Brands
Automotive Parts and Accessories Stores franchises charged off 7.9% of SBA 7(a) loans approved FY2010–FY2019, versus 10.2% for all franchises and 8.0% for all SBA borrowers. This page tracks 3 brands: default rates ranged from Napa Auto Parts (5.9%) to Line-x (14.6%). Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
How do Automotive Parts and Accessories Stores franchises perform on SBA loans?
Across the 3 Automotive Parts and Accessories Stores brands tracked here, 116 SBA 7(a) loans were approved between fiscal 2010 and 2019 and 11 were charged off — a pooled rate of 9.5% for these brands against a 7.9% benchmark for all Automotive Parts and Accessories Stores franchise loans. 0 brands with 20+ loans ran at more than twice the industry benchmark; 0 brands with 40+ loans recorded zero defaults. Statuses as of June 30, 2026.
- Brands tracked3
- SBA 7(a) loans, FY2010–2019116
- Charged off11
- Pooled rate, these brands9.5%
- Automotive Parts and Accessories Stores benchmark (all franchise loans)7.9%
- All-franchise benchmark10.2%
- All SBA borrowers8.0%
- Lowest rateNapa Auto Parts · 5.9%
- Highest rateLine-x · 14.6%
Which Automotive Parts and Accessories Stores franchise brands have the highest and lowest SBA default rates?
Every Automotive Parts and Accessories Stores brand with at least five resolved SBA 7(a) loans, sorted from highest to lowest default rate. Click a column heading to re-sort; use the filter to find a brand.
| Brand | Loans | Defaults | Rate | vs industry avg | Loans since 2020 | Early charge-offs |
|---|---|---|---|---|---|---|
| Line-x | 41 | 6 | 14.6% | 1.9x | 23 | 0 |
| Interstate All Battery Center | 24 | 2 | 8.3% | 1.1x | 8 | 0 |
| Napa Auto Parts | 51 | 3 | 5.9% | 0.8x | 0 | 0 |
* Small sample (5–19 loans): rate shown for completeness; treat as a diligence flag, not a verdict. Loans since 2020 and early charge-offs are counts only — that cohort is too young for a rate.
Frequently asked
- Which Automotive Parts and Accessories Stores franchises have the highest SBA default rates?
- Among Automotive Parts and Accessories Stores brands with 20 or more SBA 7(a) loans approved FY2010–FY2019, the highest charge-off rates were Line-x (14.6%), Interstate All Battery Center (8.3%), Napa Auto Parts (5.9%). Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
- What is the Automotive Parts and Accessories Stores franchise SBA default rate benchmark?
- Automotive Parts and Accessories Stores franchise borrowers charged off 7.9% of SBA 7(a) loans approved FY2010–FY2019, compared with 10.2% for all franchises and 8.0% for all SBA borrowers.
Cite this page
Franchise Default Rates (2026). Automotive Parts and Accessories Stores franchise SBA 7(a) default rates, FY2010–FY2019 cohort: 3 brands, pooled 9.5%. Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/industry/automotive-parts-and-accessories-stores/ · Data & methodology · Download the dataset (CSV)