Auto repair loans in Reno at a glance

Reno reports FY2017 to FY2026 approvals: 32 auto repair loans, $23.5 million gross. Reno, for auto repair, ranks 61 of 660 in the area ranking. Within Reno, auto repair ranks 4 of 39. Reno's quotient is 1.48x: auto repair above the national share.

Reno size and franchise status

Loan size in Reno centres on $559,600, and its middle half runs between $299,500 and $864,750. Reno stands at 2.38x against the national class median. Reno loans run above the national middle. Reno has 27 SBA 7(a) loans. Reno has 5 SBA 504 loans. Reno 504 loans fund property and equipment. In Reno, 7(a) adds working capital or acquisitions. Reno prints no franchise share. Too few Reno loans support one. Reno loans run larger. Reno borrowers carry a heavier payment, which Reno studies test.

Reno loan holders and counties

Holder in Reno: Plumas Bank, 8 loans, $7.1 million, SBA 7(a). Reno SBA 7(a) holder: 5 loans, $1.8 million, U.S. Bank, National Association. Listed Reno names are current holders, per SBA. Reno rows speak to files, not requirements. Reno borrowers see holders, not lenders. Reno, county by county: , and undefined.

Reno years, floors and coding limits

Reno years print only in part. FY2025 brings Reno 7 loans, $4.8 million. FY2026 brings Reno 5 loans, $6.2 million. Other Reno years stay blank on thin counts. Reno blanks are silence, never zero, and Reno treats FY2026 as complete. Reno floors follow Loan Analytics' own rule. That Reno cohort holds fewer than 30 loans. The Reno cohort covers FY2017 to FY2021 disbursements. So Reno prints no cancellation floor. So Reno prints no charge-off floor. Reno's blank floor is no zero. Reno borrowers learn little from it. Any Reno rate that prints is a floor. Reno borders come from the July 2023 list. Reno places each loan by project county. Reno drops loans with unplaceable counties. Reno note: In Reno, a truck repair shop and a car repair shop carry one code, so the counts blend both.

Reno: what a study must prove

Reno auto repair requests start from the $559,600 median, a first yardstick in Reno. An auto repair study in Reno counts bays against the cars a shop can service, then tests the revenue each bay must produce. In Reno, technician labor is the scarce input, so the study tests whether the plan can staff the bays at the wages assumed. A Reno lender will ask about equipment, from lifts to diagnostic tools, and about the lease or the real estate underneath the shop. Daniel Smith, MAI, signs each Reno study. Reno demand and cost come first. In Reno, coverage follows, then the appraisal. No Reno approval is promised by any study.

SBA automotive mechanical repair (car and truck) loans in the Reno, NV Metro Area

Loans approved, FY2017 to FY2026	32
Gross dollars approved	$23.5 million
Median loan	$559,600
Middle half of loans, from	$299,500
Middle half of loans, to	$864,750
SBA 7(a) loans	27
SBA 504 loans	5
Franchise share of loans	withheld
Rank among metro and micro areas for automotive mechanical repair (car and truck) loans	61 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)	1.48x
Median loan against the national median for the class	2.38x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	not reported: fewer than 30 loans in the cohort
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 Reno, NV Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	withheld	withheld
FY2018	withheld	withheld
FY2019	withheld	withheld
FY2020	withheld	withheld
FY2021	withheld	withheld
FY2022	withheld	withheld
FY2023	withheld	withheld
FY2024	withheld	withheld
FY2025	7	$4.8 million
FY2026	5	$6.2 million

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Plumas Bank	8	$7.1 million
U.S. Bank, National Association	5	$1.8 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.

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-39900-C28.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a automotive mechanical repair (car and truck) project in the Reno, NV Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

Auto Repair Shop Feasibility Study in the Reno, NV Metro Area