Auto Repair Shop Feasibility Study in the Las Vegas-Henderson-North Las Vegas, NV Metro Area
What SBA's own loan files show about automotive mechanical repair (car and truck) lending in the Las Vegas-Henderson-North Las Vegas, NV Metro Area, and what a feasibility study for a project there has to test.
Las Vegas: car and truck repair shop
79 car and truck repair shop loans, worth $42.2 million, were approved in Las Vegas, FY2017 to FY2026. Among metro areas Las Vegas stands 32 of 660 on 79 loans, and in Las Vegas the class stands 4 of 39. Las Vegas's quotient of 0.92x makes the class less common. $379,000 tracks Las Vegas's parents; ranks and the 0.92x quotient do the distinguishing.
$379,000 in Las Vegas runs well above the national median (1.61x) across 79 loans. Half the loans in Las Vegas fall between $150,000 and $816,000. The split is 60 under 7(a) and 19 under 504, the routes Las Vegas peers took. Franchisees hold 16.5% of Las Vegas's 79 loans.
Las Vegas's 7(a) table, 18 loans with U.S. Bank, National Association, $6.5 million. Las Vegas's 504 table, 9 loans with Nevada State Development Corporation, $6.1 million. Las Vegas: holders under 5 loans stay unnamed. Las Vegas by county, 79 loans: Clark County, NV 79.
How Las Vegas loans fared
Las Vegas cancellation rates: withheld, not zero. Las Vegas: charge-off floor withheld, not zero. Las Vegas open loans can still raise floors. Las Vegas's yearly count peaked at 14 loans and $6.4 million in FY2025; its low was 9 in FY2020; FY2026 shows 12 loans and $5.2 million. By year, Las Vegas counts: FY2017 12, FY2020 9, FY2025 14, FY2026 12. Gross dollars by year: FY2017 $5.8 million, FY2020 $2.2 million, FY2025 $6.4 million, FY2026 $5.2 million. Years withheld in Las Vegas are not zero.
Las Vegas: what a study must test
For 79 loans in Las Vegas, lift costs outside $150,000 to $816,000 need cases. For 79 approvals in Las Vegas, appraisers ask about contamination. Las Vegas approvals ran from 9 in FY2020 to 14 in FY2025; for Las Vegas, plan for slow seasons. Las Vegas's quotient, 0.92x: count rivals by turnaround. Across 79 loans, bay hours in Las Vegas carries $379,000. Las Vegas: facing slow seasons, debt service holds with $42.2 million approved.
Las Vegas's 79 loans mix truck and car repair. Las Vegas placed 79 loans by project county. Las Vegas uses the July 2023 delineation by name. Las Vegas omits loans from unmatched counties. These 79 loans guide a view of Las Vegas; they are no census.
SBA automotive mechanical repair (car and truck) loans in the Las Vegas-Henderson-North Las Vegas, NV Metro Area
| Loans approved, FY2017 to FY2026 | 79 |
|---|---|
| Gross dollars approved | $42.2 million |
| Median loan | $379,000 |
| Middle half of loans, from | $150,000 |
| Middle half of loans, to | $816,000 |
| SBA 7(a) loans | 60 |
| SBA 504 loans | 19 |
| Franchise share of loans | 16.5% |
| Rank among metro and micro areas for automotive mechanical repair (car and truck) loans | 32 of 660 |
| Rank of automotive mechanical repair (car and truck) among the classes in this area | 4 of 39 |
| Location quotient (share of loans against the national share) | 0.92x |
| Median loan against the national median for the class | 1.61x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | withheld |
|---|---|
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | withheld |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
SBA automotive mechanical repair (car and truck) loans approved in the Las Vegas-Henderson-North Las Vegas, NV Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 12 | $5.8 million |
| FY2018 | withheld | withheld |
| FY2019 | withheld | withheld |
| FY2020 | 9 | $2.2 million |
| FY2021 | withheld | withheld |
| FY2022 | withheld | withheld |
| FY2023 | withheld | withheld |
| FY2024 | withheld | withheld |
| FY2025 | 14 | $6.4 million |
| FY2026 | 12 | $5.2 million |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Nevada State Development Corporation | 9 | $6.1 million |
| Lender | Loans | Dollars |
|---|---|---|
| U.S. Bank, National Association | 18 | $6.5 million |
Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.
Where the loans are, by county
| County | Loans |
|---|---|
| Clark County, NV | 79 |
Counties with 5 or more loans; smaller ones are not listed.
Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.
Truck service cannot be separated from car repair. Not in this class: body, paint and interior 811121, glass 811122, oil change 811191 and all other automotive repair 811198.
Shared code: Truck repair shops are indexed to 811111 with car repair.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-29820-C28.
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