By Trevor Damyan, Commercial Mortgage Broker at Commercial Lending Solutions
A $9 million auto dealership acquisition is in the sweet spot of SBA 504 owner-operator financing combined with specialty dealer real estate bank execution. Most $9M dealership acquisitions are franchised single-rooftop transactions with established operating histories. The capital stack typically combines SBA 504 for real estate, SBA 7(a) or specialty dealer bank for operating business, and dealer floor plan financing (separate from real estate) for inventory.
Get a Quote on Your $9M Deal →$9M auto dealership acquisitions typically combine multiple financing sources: SBA for real estate and equipment, specialty dealer bank for operating financing, and dealer floor plan for vehicle inventory.
Pricing reflects active CLS CRE quote pipeline as of April 2026. Specific deal pricing depends on sponsor, property, and structure.
Typical $9M dealership acquisition sponsors are existing dealers expanding to a second or third rooftop, or experienced general managers transitioning to ownership. Sponsor industry experience is essential. Personal balance sheet and relationship with the OEM brand drive lender appetite.
On a $9.4M acquisition of a single-rooftop Honda dealership in a Sun Belt secondary market, the buyer was an existing dealer with one Toyota rooftop expanding to a second franchise. SBA 504 at 80 percent LTC financed real estate at $6.8M structured as a 50 percent bank first at 7.15 percent fixed and a 30 percent CDC second at 5.85 percent fixed 25-year. SBA 7(a) at $1.8M financed equipment, working capital, and Honda brand transition. Floor plan financing for inventory was provided separately by Honda Motor Credit. The deal closed in 95 days. Year-one dealership performance hit 105 percent of pro forma.
Anonymized. All deal references protect borrower and lender identity.
Tell us about your transaction. We will run it past lenders that actively fund this size and product type and send back terms within 48 hours.
Apply for Financing →