Auto Repair Shop Feasibility Study in the San Juan-Bayamón-Caguas, PR Metro Area
What SBA's own loan files show about automotive mechanical repair (car and truck) lending in the San Juan-Bayamón-Caguas, PR Metro Area, and what a feasibility study for a project there has to test.
San Juan-Bayamón-Caguas: auto repair lending
Within San Juan-Bayamón-Caguas, from FY2017 through FY2026, SBA logged 27 auto repair loans, totalling $2.2 million of gross dollars approved. In San Juan-Bayamón-Caguas, auto repair lending stands 10 of 39 in the local class table; San Juan-Bayamón-Caguas lands at 69 of 660 among metro and micro areas on auto repair loans. San Juan-Bayamón-Caguas's 0.45x location quotient gives auto repair less weight locally. A typical San Juan-Bayamón-Caguas loan, measured by the median, is $70,000. The central half of San Juan-Bayamón-Caguas loans stretches from $23,500 to $111,500, and the median stands at 0.30x of the nationwide class median. San Juan-Bayamón-Caguas repair loans are very small: a median of $70,000, only 0.30x the class figure across the country, with the middle half running $23,500 to $111,500. The class stands tenth (10 of 39) locally and 69 of 660 across the country; the location quotient is 0.45x. Banco Popular de Puerto Rico holds 9 SBA 7(a) loans worth $301,000.
In San Juan-Bayamón-Caguas, by program, SBA 7(a) accounts for 22 loans and SBA 504 for 5. The franchised share of San Juan-Bayamón-Caguas loans stands at 0.00%, so no franchised units figure in the San Juan-Bayamón-Caguas record. Among the San Juan-Bayamón-Caguas holders Banco Popular de Puerto Rico has $301,000 on its books in 9 SBA 7(a) loans. San Juan-Bayamón-Caguas's holder rows show current holders only. San Juan-Bayamón-Caguas applicants get no signal of institution credit policy from them.
San Juan-Bayamón-Caguas: years, floors and limits
In San Juan-Bayamón-Caguas, a few years can be given: FY2017 records 5 loans worth $342,600; FY2024 shows 7 loans worth $244,000. In FY2022, San Juan-Bayamón-Caguas records 0 loans and $0. San Juan-Bayamón-Caguas's withheld years are: FY2018 to FY2021, FY2023, FY2025 and FY2026. San Juan-Bayamón-Caguas's withheld years differ from none. San Juan-Bayamón-Caguas's cancellation rate: suppressed, under 30 loans. San Juan-Bayamón-Caguas's charge-off rate: suppressed, under 30 loans in all. San Juan-Bayamón-Caguas uses Loan Analytics' own cut-off. San Juan-Bayamón-Caguas has a thin FY2017 to FY2021 cohort. San Juan-Bayamón-Caguas follows the July 2023 list. San Juan-Bayamón-Caguas places each loan by county. San Juan-Bayamón-Caguas leaves out unmatched loans. In San Juan-Bayamón-Caguas, truck service cannot be separated from San Juan-Bayamón-Caguas car repair. San Juan-Bayamón-Caguas body, paint, interior and glass work sit outside the class, as do oil changes.
San Juan-Bayamón-Caguas: what to test
A San Juan-area repair shop study should be scaled to loans of this size: bays, lifts and diagnostic equipment, the technicians and their pay, and the car count each bay must see. Test the lease and the location against the traffic, and show the payment covered in the early months. FY2017 shows 5 loans worth $342,600 and FY2024 shows 7 loans worth $244,000, so the typical loan is small, and a larger request should be justified. An appraiser will value the going concern.
SBA automotive mechanical repair (car and truck) loans in the San Juan-Bayamón-Caguas, PR Metro Area
| Loans approved, FY2017 to FY2026 | 27 |
|---|---|
| Gross dollars approved | $2.2 million |
| Median loan | $70,000 |
| Middle half of loans, from | $23,500 |
| Middle half of loans, to | $111,500 |
| SBA 7(a) loans | 22 |
| SBA 504 loans | 5 |
| Franchise share of loans | 0.00% |
| Rank among metro and micro areas for automotive mechanical repair (car and truck) loans | 69 of 660 |
| Rank of automotive mechanical repair (car and truck) among the classes in this area | 10 of 39 |
| Location quotient (share of loans against the national share) | 0.45x |
| Median loan against the national median for the class | 0.30x |
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 San Juan-Bayamón-Caguas, PR Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 5 | $342,600 |
| FY2018 | withheld | withheld |
| FY2019 | withheld | withheld |
| FY2020 | withheld | withheld |
| FY2021 | withheld | withheld |
| FY2022 | 0 | $0 |
| FY2023 | withheld | withheld |
| FY2024 | 7 | $244,000 |
| FY2025 | withheld | withheld |
| FY2026 | withheld | withheld |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Banco Popular de Puerto Rico | 9 | $301,000 |
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-41980-C28.
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