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Kia Dealer Sales and Service Agreement, by the numbers

Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S4776)

2 deals since 2020 · typical deal $5.0M

2

Deals since 2020

$5.0M

Typical deal

0

Deals since FY2025

—

Too few deals to score risk

Kia Dealer Sales and Service Agreement has 2 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Kia Dealer Sales and Service Agreement

Most Kia Dealer Sales and Service Agreement deals financed between $2.92M and $5.00M. Above $5.00M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$5.00M

Monthly payment (10-yr): $65,385
Down payment (10%): $556K
Cash to close (all-in): $769K

Estimates at today's rates and standard 7(a) terms. Not a loan offer.

Could you get the loan?

Three answers. No documents, no credit pull.

Credit score

Available cash (you'll need ~$769K)

Experience

Recent financings

Lahham Automotive, Inc. in Stockton, CA — $5.0M (2021) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
7 days
Approved
5/19/2021
First disbursed
5/26/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
28
Business age
Change of Ownership
Industry
New Car Dealers
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$27,792
Annual debt service
$333K
Cash flow needed (1.25×)
$417K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
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Respect Auto Bronx I LLC in Bronx, NY — $2.9M (2020) · Hanover Community Bank
Program
7a General
Rate at approval
6% variable
Term
76 months
SBA guaranteed
$2.2M (75%)
Approval → funding
47 days
Approved
9/18/2020
First disbursed
11/4/2020
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Who funds Kia Dealer Sales and Service Agreement — and where

Every dot is a financed Kia Dealer Sales and Service Agreement — 2 mapped.

Top lenders for this brand

Most active states

1.California (1 loans)
2.New York (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Kia Dealer Sales and Service Agreement 1 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

I authorize DealRoom to share my contact information with SBA lending partners and loan brokers (including partners who compensate DealRoom), who may contact me about financing. DealRoom is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Kia Dealer Sales and Service Agreement lending specialist.

Common questions

How much does a Kia Dealer Sales and Service Agreement cost to buy or open?

The typical deal for Kia Dealer Sales and Service Agreement is $5.0M across 2 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $550K of buyer cash on a typical deal.

How risky is Kia Dealer Sales and Service Agreement?

Kia Dealer Sales and Service Agreement has 2 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Can I finance a Kia Dealer Sales and Service Agreement with an SBA loan?

Yes — Kia Dealer Sales and Service Agreement has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

AI summary

This profile summarizes public SBA financing activity for Kia Dealer Sales and Service Agreement — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via DealRoom.so SBA Intelligence. DealRoom is not a lender.

Source: DealRoom.so SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. DealRoom is not a lender and does not guarantee financing.

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I authorize DealRoom to share my contact information with SBA lending partners and loan brokers (including partners who compensate DealRoom), who may contact me about financing. DealRoom is not a lender and makes no credit decision.

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DealRoom analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Kia Dealer Sales and Service Agreement.

Loan sold to investors

Jobs supported

51

Business age

Startup, Loan Funds will Open Business

Industry

New Car Dealers

Funded by Hanover Community Bank · Lender record →

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