Franchise financing
AAMCO Transmissions franchise financing
What it costs to finance a AAMCO Transmissions franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 224
- Total funded
- $83.8M
- Median loan
- $230K
- 7(a) charge-off
- 9.6%
What financing a AAMCO Transmissions franchise costs
The median SBA loan to a AAMCO Transmissions franchisee is $230K, and the middle half of AAMCO Transmissions's 224 loans run $144K to $444K (average $374K). Across all SBA-financed franchises the median loan is $350K. AAMCO Transmissions buyers borrow less than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median AAMCO Transmissions loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 211 AAMCO Transmissions loans where the SBA recorded a business age, 46.0% went to new businesses two years old or younger. The rest funded existing operations.
How to finance AAMCO Transmissions
AAMCO Transmissions franchisees have financed with 224 SBA loans since FY2010, averaging $374K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (208 of the 224 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
AAMCO Transmissions's 7(a) charge-off rate is 9.6% across 208 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance AAMCO Transmissions
By SBA loan count
Where AAMCO Transmissions gets funded
Top states by loan count
- 1. Texas 37
- 2. Florida 24
- 3. Pennsylvania 19
- 4. California 12
- 5. Virginia 8
- 6. North Carolina 10
- 7. New York 12
- 8. Oklahoma 7
Financing a AAMCO Transmissions?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
AAMCO Transmissions SBA financing FAQ
How much does a AAMCO Transmissions franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a AAMCO Transmissions franchisee is $230K, and the middle half of AAMCO Transmissions's 224 loans run $144K to $444K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of AAMCO Transmissions's franchise disclosure document.
Can you use an SBA loan for AAMCO Transmissions?
Yes. Lenders have funded 224 SBA loans to AAMCO Transmissions franchisees, worth $83.8M in all, so AAMCO Transmissions is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for AAMCO Transmissions?
The data says yes: of AAMCO Transmissions's 211 SBA loans that record a business age, 46.0% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance AAMCO Transmissions?
By loan count, the most active SBA lenders for AAMCO Transmissions are The Huntington National Bank, Live Oak Banking Company, Newtek Small Business Finance, Inc., among others. A lender already active with your brand often moves faster.
What is AAMCO Transmissions's SBA charge-off rate?
Across AAMCO Transmissions's 208 SBA 7(a) loans, 9.6% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits AAMCO Transmissions?
Mostly 7(a): 208 of AAMCO Transmissions's 224 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median AAMCO Transmissions loan term is 10 years.