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BIZBITE

Auto Glass / Windshield Repair

Insurance pays the bill — your customer has zero reason to say no

Bottom line

Strong cash-flow candidate with manageable operations.

Auto glass businesses repair chips and replace cracked windshields. The killer angle: in most states, windshield replacement is fully covered by comprehensive auto insurance with no deductible. That means 90%+ of customers pay nothing out of pocket. You bill the insurance carrier directly at $350-$700 per replacement. Zero price resistance. A mobile van does 6-10 jobs a day.

67
Acquisition score
Strong

Avg Revenue

$220K

Profit Margin

45%

Acquisition Multiple

2x - 3.5x

Startup Cost

$15K - $60K

How It Works

Customers call or book online after chipping or cracking their windshield. You dispatch a mobile technician (or they visit a shop) to perform the repair ($50-$100) or replacement ($300-$700). You handle insurance billing directly. Shops also build contracts with auto dealers, fleet operators, and body shops for steady commercial volume.

Revenue Range

Low End
$80K
Typical
$220K
High End
$600K

BizBite underwriting snapshot

Watch / verify

Auto Glass / Windshield Repair has enough high-level data for a first look, but BizBite has not assigned a category-specific operating model yet. Treat the score as preliminary.

46
Speculative / 100
Data confidence
medium
52/100
Financing fit
medium

Category-level fit before lender-specific diligence.

Confidence cap
78

Weak source data caps the final score.

Why it may work

  • +Attractive 45% estimated margin profile
  • +SBA dataset shows 15 recent comparable loans

Be careful

  • !Source link status has not been verified yet
  • !No last-checked date yet
  • !No category operating model yet
  • !No category model yet

Real Acquisitions in This Category

SBA 7(a) change-of-ownership loans · NAICS 811122 · Automotive Glass Replacement Shops

Deals tracked
41
15 in last 24 mo
Median loan
$519K
$162K–$1.0M p25/p75
Implied deal size
$611K
median · ~85% LTV
Charge-off rate
not enough resolved loans

Deal Size Distribution

<$150K
6
$150K–500K
13
$500K–1M
10
$1M–2M
10
>$2M
2

Deal Flow Over Time

12-month momentum
-12.5%
deal volume vs prior 12 mo
Median loan Δ
-61.5%
7 recent · 8 prior

Financing Profile

Median rate
9.75%
7% fixed · last 24 mo
Median term
120 mo
standard 10-yr
Collateralized
0%
of loans secured
Median jobs
6
supported per deal
Top lenders in this space
Live Oak Banking Company5
Zions Bank, A Division of3
BankVista2
Banner Bank2
Stearns Bank National Association2
Where deals happen
CA10
AZ4
CO3
TX3
MN2
MI2
IL1
AL1
FL1
IN1
Franchise vs independent
Franchised acquisitions finance at $485K median vs $584K for independents — a -17% franchise discount. Franchises make up 17% of deals tracked.

Recent Comparable Deals

ClosedStateLoanImplied deal
Mar 2026CA$68K$79K
Mar 2026AZ$586K$689K
Dec 2025CA$10K$12K
Dec 2025CA$100K$118K
Sep 2025CA$253K$298K
Jul 2025AL$1.3M$1.5M
May 2025FL$975K$1.1M
Apr 2025CA$1.0M$1.2M
Jan 2025CO$501K$589K
Dec 2024UT$738K$868K
Volume rank #154/544Deal-size rank #371/544Momentum rank #218p90 loan: $1.3MData as of Mar 2026

Source: SBA 7(a) FOIA dataset, filtered to acquisitions (loans where business age is "Change of Ownership"). Implied deal size assumes an 85% loan-to-purchase ratio, a common SBA change-of-ownership structure. Charge-off rate shown only when 10+ loans have resolved (paid in full or charged off). Interest rates reflect last 24 months only. Actual deal values vary with equity injections, seller financing, and working capital terms.

Pros

  • +Insurance-covered jobs mean customers never push back on price
  • +Mobile model eliminates shop lease overhead
  • +Fleet and dealership contracts create predictable recurring volume
  • +Low skill ceiling — technicians can be trained in 1-2 weeks

Cons

  • -Insurance reimbursement rates have been declining gradually
  • -Requires relationships with insurance networks (TPA agreements)
  • -Parts inventory management and windshield storage take space

Best For

Customer-acquisition-focused operators who can build insurance and fleet relationships

Operating Costs

Major costs include windshield glass inventory (largest COGS), technician wages, mobile van fuel and maintenance, insurance, and billing software. Mobile operators eliminate rent entirely.

SBA Financing Estimator

Adjust the deal — see if it cash flows after debt service

+$1K/mo
after debt service
Deal price — $610K
Range: $330K (2×) to $990K (3.5×+)
Down payment — 15% ($92K)
SBA minimum equity injection is 10% for change-of-ownership
Interest rate — 9.75%
SBA median for this category: 9.8%
Loan term — 10 years (120 mo)
SBA median for this category: 120 months
Down payment
$92K
15% equity injection
Loan amount
$519K
85% SBA-financed
Monthly payment
$7K/mo
$295K total interest
Monthly profit
$8K/mo
at 45% margin
Monthly cash flow after debt service
+$1K/mo
Down payment paid back in ~63 months

Estimates only. Excludes owner compensation, capex, working capital draws, and taxes. Margin assumes average occupancy and volume. Actual SBA terms vary by lender and borrower profile.

Where to Buy

BizBuySell

Find auto glass and windshield repair businesses for sale

BizQuest

Browse automotive service businesses including glass repair

67/100Strong

Acquisition Score

Profit margin
30/30
Entry multiple
25/25
Market depth
2/20
Risk (charge-off)
8/15
Deal momentum
2/10

Scores margin (30), entry multiple (25), SBA market depth (20), category risk (15), and deal momentum (10). Higher = better acquisition candidate.

Quick Facts

Category
service
Difficulty
2/5
Buy price
$440K$770K

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