SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
General Automotive Repair Franchise Failure Rates: SBA Loan Defaults for 7 Brands
General Automotive Repair franchises charged off 7.6% of SBA 7(a) loans approved FY2010–FY2019, versus 10.2% for all franchises and 8.0% for all SBA borrowers. This page tracks 7 brands: default rates ranged from Christian Brothers Automotive (0.0%) to Meineke (28.2%). Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
How do General Automotive Repair franchises perform on SBA loans?
Across the 7 General Automotive Repair brands tracked here, 397 SBA 7(a) loans were approved between fiscal 2010 and 2019 and 44 were charged off — a pooled rate of 11.1% for these brands against a 7.6% benchmark for all General Automotive Repair franchise loans. 2 brands with 20+ loans ran at more than twice the industry benchmark; 1 brand with 40+ loans recorded zero defaults. Statuses as of June 30, 2026.
- Brands tracked7
- SBA 7(a) loans, FY2010–2019397
- Charged off44
- Pooled rate, these brands11.1%
- General Automotive Repair benchmark (all franchise loans)7.6%
- All-franchise benchmark10.2%
- All SBA borrowers8.0%
- Lowest rateChristian Brothers Automotive · 0.0%
- Highest rateMeineke · 28.2%
Which General Automotive Repair franchise brands have the highest and lowest SBA default rates?
Every General Automotive Repair 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 |
|---|---|---|---|---|---|---|
| Meineke | 78 | 22 | 28.2% | 3.7x | 0 | 0 |
| Meineke Car Care | 38 | 7 | 18.4% | 2.4x | 0 | 0 |
| Meineke Car Care Center | 22 | 3 | 13.6% | 1.8x | 93 | 4 |
| Midas | 44 | 5 | 11.4% | 1.5x | 61 | 0 |
| HONEST-1 Auto Care | 40 | 4 | 10.0% | 1.3x | 0 | 0 |
| Midas Muffler Shop | 36 | 3 | 8.3% | 1.1x | 0 | 0 |
| Christian Brothers Automotive | 139 | 0 | 0.0% | — | 63 | 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 General Automotive Repair franchises have the highest SBA default rates?
- Among General Automotive Repair brands with 20 or more SBA 7(a) loans approved FY2010–FY2019, the highest charge-off rates were Meineke (28.2%), Meineke Car Care (18.4%), Meineke Car Care Center (13.6%). Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
- What is the General Automotive Repair franchise SBA default rate benchmark?
- General Automotive Repair franchise borrowers charged off 7.6% 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). General Automotive Repair franchise SBA 7(a) default rates, FY2010–FY2019 cohort: 7 brands, pooled 11.1%. Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/industry/general-automotive-repair/ · Data & methodology · Download the dataset (CSV)