Franchise financing
NAPA AUTO PARTS franchise financing
What it costs to finance a NAPA AUTO PARTS 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
- 122
- Total funded
- $53.9M
- Median loan
- $321K
- 7(a) charge-off
- 1.5%
What financing a NAPA AUTO PARTS franchise costs
The median SBA loan to a NAPA AUTO PARTS franchisee is $321K, and the middle half of NAPA AUTO PARTS's 122 loans run $168K to $601K (average $442K). Across all SBA-financed franchises the median loan is $350K. NAPA AUTO PARTS 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 NAPA AUTO PARTS loan runs 20 years. Model your numbers with the franchise financing calculator.
Of the 116 NAPA AUTO PARTS loans where the SBA recorded a business age, 18.1% went to new businesses two years old or younger. The rest funded existing operations.
How to finance NAPA AUTO PARTS
NAPA AUTO PARTS franchisees have financed with 122 SBA loans since FY2010, averaging $442K each. Of those, 69 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 53 through 504 (owner-occupied real estate). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
NAPA AUTO PARTS's 7(a) charge-off rate is 1.5% across 69 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance NAPA AUTO PARTS
By SBA loan count
- 1. BMO Bank National Association 4
- 2. Blue Sky Bank 2
- 3. Wells Fargo Bank National Association 3
- 4. Granite State Economic Development Corporation 10
- 5. Evergreen Business Capital 4
- 6. JPMorgan Chase Bank, National Association 2
- 7. Mountain West Small Business Finance 4
- 8. PNC Bank, National Association 5
Where NAPA AUTO PARTS gets funded
Top states by loan count
- 1. California 7
- 2. Oklahoma 3
- 3. Texas 6
- 4. Colorado 9
- 5. Washington 8
- 6. Minnesota 10
- 7. Oregon 5
- 8. Montana 6
Financing a NAPA AUTO PARTS?
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.
NAPA AUTO PARTS SBA financing FAQ
How much does a NAPA AUTO PARTS franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a NAPA AUTO PARTS franchisee is $321K, and the middle half of NAPA AUTO PARTS's 122 loans run $168K to $601K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of NAPA AUTO PARTS's franchise disclosure document.
Can you use an SBA loan for NAPA AUTO PARTS?
Yes. Lenders have funded 122 SBA loans to NAPA AUTO PARTS franchisees, worth $53.9M in all, so NAPA AUTO PARTS is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for NAPA AUTO PARTS?
The data says yes: of NAPA AUTO PARTS's 116 SBA loans that record a business age, 18.1% 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 NAPA AUTO PARTS?
By loan count, the most active SBA lenders for NAPA AUTO PARTS are BMO Bank National Association, Blue Sky Bank, Wells Fargo Bank National Association, among others. A lender already active with your brand often moves faster.
What is NAPA AUTO PARTS's SBA charge-off rate?
Across NAPA AUTO PARTS's 69 SBA 7(a) loans, 1.5% 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 NAPA AUTO PARTS?
Both. Of NAPA AUTO PARTS's 122 SBA loans, 69 were 7(a) (franchise fee, build-out, equipment, working capital) and 53 were 504 (owner-occupied real estate). The median NAPA AUTO PARTS loan term is 20 years.