Automotive · lender intelligence
How to finance a Midas in California
The SBA 7(a) lenders funding the most Midas deals in California, from public loan records — typical Midas loan about $405K. A bank already funding the brand in your state knows it twice over.
Most active with Midas in California
Ranked by funded Midas loans in California. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.154 loans · $26M · San Diego, CAFull record →
- 3.1 loans · $0M · St. Louis, MOFull record →
11+ funded Midas in California deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- Freedom Automotive CA LLC in Indio, CA — $550K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $413K (75%)
- Approved
- 3/27/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Existing or more than 2 years old
- Industry
- General Automotive Repair
Funded by Live Oak Banking Company · Lender record →
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- INCLINED MECHANICALLY INC. in Fremont, CA — $436K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $327K (75%)
- Approval → funding
- 41 days
- Approved
- 1/15/2026
- First disbursed
- 2/25/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Existing or more than 2 years old
- Industry
- General Automotive Repair
Funded by Live Oak Banking Company · Lender record →
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- Mechanically Inclined Inc. in Sacramento, CA — $436K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $327K (75%)
- Approved
- 1/16/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Existing or more than 2 years old
- Industry
- General Automotive Repair
Funded by Live Oak Banking Company · Lender record →
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- Mechanically Inclined Inc. in Carmichael, CA — $100K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $85K (85%)
- Approval → funding
- 44 days
- Approved
- 9/29/2025
- First disbursed
- 11/12/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Existing or more than 2 years old
- Industry
- General Automotive Repair
Funded by Live Oak Banking Company · Lender record →
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- Always Ready Automotive Corporation in Fremont, CA — $205K (2024) · KeyPoint CU
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $154K (75%)
- Approval → funding
- 20 days
- Approved
- 10/13/2023
- First disbursed
- 11/2/2023
- Loan status
- Past due
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- Specialized Automotive Repair
Funded by KeyPoint CU
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- H&R Handlers LLC in Modesto, CA — $430K (2023) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $323K (75%)
- Approval → funding
- 29 days
- Approved
- 6/8/2023
- First disbursed
- 7/7/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- General Automotive Repair
If you were the buyer here
- Est. deal size
- $478K
- Est. down payment (10%)
- $48K
- Est. cash at closing
- $64K
- Monthly payment
- $5,623
- Annual debt service
- $67K
- Cash flow needed (1.25×)
- $84K
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 →
Your business? Claim this record · Request removal
- Midas in Marysville, CA — $4.3M (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.95% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $3.2M (75%)
- Approval → funding
- 19 days
- Approved
- 2/16/2022
- First disbursed
- 3/7/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 26
- Business age
- Change of Ownership
- Industry
- Automotive Oil Change and Lubrication Shops
If you were the buyer here
- Est. deal size
- $4.7M
- Est. down payment (10%)
- $472K
- Est. cash at closing
- $653K
- Monthly payment
- $44,974
- Annual debt service
- $540K
- Cash flow needed (1.25×)
- $675K
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 →
Your business? Claim this record · Request removal
- Carmichael Midas in Carmichael, CA — $390K (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $293K (75%)
- Approval → funding
- 12 days
- Approved
- 5/20/2022
- First disbursed
- 6/1/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- General Automotive Repair
If you were the buyer here
- Est. deal size
- $433K
- Est. down payment (10%)
- $43K
- Est. cash at closing
- $58K
- Monthly payment
- $4,281
- Annual debt service
- $51K
- Cash flow needed (1.25×)
- $64K
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 →
Your business? Claim this record · Request removal
- Bakersfield Midas in Bakersfield, CA — $327K (2021) · First Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $294K (90%)
- Approval → funding
- 119 days
- Approved
- 9/3/2021
- First disbursed
- 12/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- General Automotive Repair
Funded by First Bank · Lender record →
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- RMR Automotive LLC in Orange, CA — $150K (2021) · purchase · CDC Small Business Finance Corp.
- Program
- Community Advantage Initiative
- Subprogram
- Community Advantage Initiative
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $135K (90%)
- Approved
- 2/25/2021
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- General Automotive Repair
If you were the buyer here
- Est. deal size
- $167K
- Est. down payment (10%)
- $17K
- Est. cash at closing
- $21K
- Monthly payment
- $1,761
- Annual debt service
- $21K
- Cash flow needed (1.25×)
- $26K
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 CDC Small Business Finance Corp. · Lender record →
Your business? Claim this record · Request removal
- Central Vally Auto Experts LLC in Visalia, CA — $450K (2020) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $338K (75%)
- Approval → funding
- 81 days
- Approved
- 3/11/2020
- First disbursed
- 5/31/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- General Automotive Repair
If you were the buyer here
- Est. deal size
- $500K
- Est. down payment (10%)
- $50K
- Est. cash at closing
- $67K
- Monthly payment
- $5,225
- Annual debt service
- $63K
- Cash flow needed (1.25×)
- $78K
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 →
Your business? Claim this record · Request removal
Buying a Midas in California? Start with a lender that funds them here
We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.
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DealRoom analysis of public SBA 7(a) lending records; ranked by funded Midas loans with a California project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Midas purchase in California with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded California deals. Live Oak Banking Company funds the most here. DealRoom is not a lender.
- $405K typical Midas loan
- 4 lenders active in California
- 11+ funded California deals
- 41 days typical to fund
Buyers buying a Midas in California typically pre-qualify, then ask DealRoom to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the DealRoom MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-16.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); DealRoom lender and franchise enrichment.