SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
Gasoline Stations with Convenience Stores Franchise Failure Rates: SBA Loan Defaults for 16 Brands
Gasoline Stations with Convenience Stores franchises charged off 3.9% of SBA 7(a) loans approved FY2010–FY2019, versus 10.2% for all franchises and 8.0% for all SBA borrowers. This page tracks 16 brands: default rates ranged from Ampm Mini Market- Arco (0.0%) to U.S. OilRetailer Supply Agreement (10.0%). Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
How do Gasoline Stations with Convenience Stores franchises perform on SBA loans?
Across the 16 Gasoline Stations with Convenience Stores brands tracked here, 590 SBA 7(a) loans were approved between fiscal 2010 and 2019 and 10 were charged off — a pooled rate of 1.7% for these brands against a 3.9% benchmark for all Gasoline Stations with Convenience Stores franchise loans. 2 brands with 20+ loans ran at more than twice the industry benchmark; 2 brands with 40+ loans recorded zero defaults. Statuses as of June 30, 2026.
- Brands tracked16
- SBA 7(a) loans, FY2010–2019590
- Charged off10
- Pooled rate, these brands1.7%
- Gasoline Stations with Convenience Stores benchmark (all franchise loans)3.9%
- All-franchise benchmark10.2%
- All SBA borrowers8.0%
- Lowest rateAmpm Mini Market- Arco · 0.0%
- Highest rateU.S. OilRetailer Supply Agreement · 10.0%
Which Gasoline Stations with Convenience Stores franchise brands have the highest and lowest SBA default rates?
Every Gasoline Stations with Convenience Stores brand with at least five resolved SBA 7(a) loans, sorted from highest to lowest default rate. Click a column heading to re-sort; use the filter to find a brand.
| Brand | Loans | Defaults | Rate | vs industry avg | Loans since 2020 | Early charge-offs |
|---|---|---|---|---|---|---|
| U.S. OilRetailer Supply Agreement | 20 | 2 | 10.0% | 2.6x | 39 | 0 |
| Mobil Oil | 31 | 3 | 9.7% | 2.5x | 0 | 0 |
| Phillips 66 | 21 | 1 | 4.8% | 1.2x | 0 | 0 |
| Exxon | 31 | 1 | 3.2% | 0.8x | 0 | 0 |
| Chevron | 133 | 2 | 1.5% | 0.4x | 0 | 0 |
| Shell Service Station | 95 | 1 | 1.1% | 0.3x | 0 | 0 |
| AM/PM Mini-Mart Agreement - ARCO Fuel - Contract Dealer Gasoline Agreement | 16 | 0 | 0.0%* | — | 76 | 0 |
| Ampm Mini Market- Arco | 51 | 0 | 0.0% | — | 0 | 0 |
| Arco | 17 | 0 | 0.0%* | — | 0 | 0 |
| Chevron - Retail Supply Contract | 17 | 0 | 0.0%* | — | 76 | 0 |
| Circle K | 36 | 0 | 0.0% | — | 21 | 0 |
| Citgo Service Station | 21 | 0 | 0.0% | — | 0 | 0 |
| Conoco Service Station | 21 | 0 | 0.0% | — | 0 | 0 |
| Sunoco, LLC Fuel Supply Agreement | 18 | 0 | 0.0%* | — | 54 | 1 |
| Texaco Service Station | 19 | 0 | 0.0%* | — | 0 | 0 |
| Valero | 43 | 0 | 0.0% | — | 0 | 0 |
* Small sample (5–19 loans): rate shown for completeness; treat as a diligence flag, not a verdict. Loans since 2020 and early charge-offs are counts only — that cohort is too young for a rate.
Frequently asked
- Which Gasoline Stations with Convenience Stores franchises have the highest SBA default rates?
- Among Gasoline Stations with Convenience Stores brands with 20 or more SBA 7(a) loans approved FY2010–FY2019, the highest charge-off rates were U.S. OilRetailer Supply Agreement (10.0%), Mobil Oil (9.7%), Phillips 66 (4.8%). Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
- What is the Gasoline Stations with Convenience Stores franchise SBA default rate benchmark?
- Gasoline Stations with Convenience Stores franchise borrowers charged off 3.9% of SBA 7(a) loans approved FY2010–FY2019, compared with 10.2% for all franchises and 8.0% for all SBA borrowers.
Cite this page
Franchise Default Rates (2026). Gasoline Stations with Convenience Stores franchise SBA 7(a) default rates, FY2010–FY2019 cohort: 16 brands, pooled 1.7%. Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/industry/gasoline-stations-with-convenience-stores/ · Data & methodology · Download the dataset (CSV)