By Trevor Damyan, Commercial Mortgage Broker at Commercial Lending Solutions
A $3 million auto repair shop SBA acquisition in Long Beach is the canonical small-balance owner-operator transaction. Most $3M Long Beach auto repair acquisitions combine SBA 504 for real estate (at 80 percent LTC, special-purpose 20 percent down) with SBA 7(a) for equipment, working capital, and goodwill. The deal closes in 75 to 90 days at a blended cost of capital materially below conventional bank alternatives.
Get a Quote on Your $3M Deal →$3M Long Beach auto repair acquisitions typically allocate ~$2M to real estate and ~$1M to equipment, working capital, and goodwill. SBA 504 finances real estate; SBA 7(a) finances the operating business pieces.
Pricing reflects active CLS CRE quote pipeline as of April 2026. Specific deal pricing depends on sponsor, property, and structure.
Typical $3M Long Beach auto repair sponsors are first-time SBA buyers transitioning from senior mechanic or general manager roles to ownership, or experienced operators expanding to a second location. Long Beach favors auto repair given dense population, automotive culture, and Port of Long Beach commercial vehicle traffic.
On a $3.4M acquisition of an independent auto repair shop in Long Beach with 12 service bays, 28 years of operating history, and strong DRP relationships with major insurance carriers, the buyer was a senior mechanic at the shop transitioning to ownership. SBA 504 at 80 percent LTC financed real estate at $2.2M. SBA 7(a) at $1M financed equipment, working capital, and goodwill. The seller stayed on as part-time advisor for 12 months supporting customer transition.
Anonymized. All deal references protect borrower and lender identity.
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