Collision / Auto Body Shop Acquisition & SBA Underwriting Model

Description
The broker prices this body shop at retail. The bank prices it at the net of the insurer concessions. That gap is $229,962 of purchase price. A lender-ready acquisition-underwriting model for buying a single independent collision / auto body shop with an SBA 7(a) loan. Roughly 90% of collision revenue is insurer-directed (DRP): the rate is discounted, materials are capped, some operations are given away, and supplements are contested. The bank underwrites the DRP-blended net, not the retail estimate.

What it does: a booth-hours / cycle-time throughput engine (repair orders decomposed by severity into labor, parts, paint and materials, and sublet, each at its own gross margin), cross-checked against paint-booth practical capacity; two prices side by side - the retail pro-forma price ($1,036,414) next to the real DRP-blended price ($806,452), overpay avoided $229,962 (28.5%), and the DSCR at each (1.23x vs 1.54x); the constraint is the paint booth, not the bays (69.7% utilization); an owner-estimator / blueprinter replacement ($85,000); the DSCR true 1.54x vs naive 2.69x; a technician-shortage plus DRP-rate-pressure down-case at 0.64x (TechForce: collision pipeline 42%, turnover 60.7%); and a supplement write-off line. 11 Excel tabs (Google-Sheets safe) plus a PDF guide. Educational planning tool - not financial, lending or legal advice.