Franchise brands › Jackson Food Stores, Inc.
Franchise brand57 approvals since FY2018
SBA loans to Jackson Food Stores, Inc. franchises
Approvals SBA files under the brand's franchise code. The loans are to independent franchise owners; this page describes the brand in aggregate and no franchisee.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Since FY2018, 57 SBA loan approvals worth $111M carry the Jackson Food Stores, Inc. franchise code, 29 of them in FY2021 to FY2025.
In FY2025 there were 2. The average approval in the five-year window was $2.1M, and 3 of the approvals were 504 loans.
16 lenders made the FY2021 to FY2025 loans across 6 states; the most active were Celtic Bank Corporation (7), UniBank (4) and US Metro Bank (3).
These are loans to independent franchise owners, not to the franchisor.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Loans by fiscal year
| Fiscal year | Approvals | Dollars approved | Average approval | of which 504 | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 5 | $12.7M | $2.5M | 1 | 42 |
| FY2025 | 2 | — | — | 0 | 6 |
| FY2024 | 2 | — | — | 0 | 37 |
| FY2023 | 6 | $14.1M | $2.4M | 1 | 55 |
| FY2022 | 11 | $16.8M | $1.5M | 1 | 202 |
| FY2021 | 8 | $14.4M | $1.8M | 1 | 55 |
| FY2020 | 7 | $10.1M | $1.4M | 0 | 66 |
| FY2019 | 8 | $9.4M | $1.2M | 0 | 51 |
| FY2018 | 8 | $19.2M | $2.4M | 0 | 55 |
| FY2017 | 0 | — | — | 0 | 0 |
| FY2016 | 0 | — | — | 0 | 0 |
SBA's franchise field lists the brand as "Jackson Food Stores, Inc. (Exxon Mobil / Chevron / Texaco / 76 / Mobil / Tesoro-Shell) Retail Sales Agreement". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Jackson Food Stores, Inc. | All SBA loans |
|---|---|---|
| Approvals in these years | 31 | 725,496 |
| Cancelled or never disbursed | 3 | 91,827 |
| Disbursed loans | 28 | 633,669 |
| Paid in full | 18 | 471,304 |
| Charged off | 0 | 37,796 |
| Still outstanding (status exempt from disclosure) | 10 | 124,569 |
| Charged off, share of disbursed loans | too few loans | 6.0% |
| Dollars charged off, share of disbursed dollars | too few loans | 2.2% |
| Dollars charged off | — | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Celtic Bank CorporationSalt Lake City, UT | 7 | $16.8M | 24.1% | |
| 2 | UniBankLynnwood, WA | 4 | $5.3M | 13.8% | |
| 3 | US Metro BankGarden Grove, CA | 3 | $5.9M | 10.3% | |
| 4 | Mountain America FCUSandy, UT | 3 | $2.0M | 10.3% | |
| 5 | O Bee Credit UnionLacey, WA | 1 | — | 3.4% | |
| 6 | Mountain Pacific BankEverett, WA | 1 | — | 3.4% | |
| 7 | America First Federal Credit UnionRiverdale, UT | 1 | — | 3.4% | |
| 8 | Readycap Lending, LLCBerkeley Heights, NJ | 1 | — | 3.4% | |
| 9 | Hanmi BankLos Angeles, CA | 1 | — | 3.4% | |
| 10 | Western Alliance BankPhoenix, AZ | 1 | — | 3.4% | |
| 11 | Panhandle Area Council, Inc.Hayden, ID · CDC | 1 | — | 3.4% | |
| 12 | Central BankProvo, UT | 1 | — | 3.4% | |
| 13 | Banner BankWalla Walla, WA | 1 | — | 3.4% | |
| 14 | Mountain West Small Business FinanceSalt Lake City, UT · CDC | 1 | — | 3.4% | |
| 15 | Arizona Capital SourceTucson, AZ · CDC | 1 | — | 3.4% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Washington | 9 | 31.0% | |
| 2 | Arizona | 8 | 27.6% | |
| 3 | Idaho | 6 | 20.7% | |
| 4 | Utah | 4 | 13.8% | |
| 5 | Oregon | 1 | 3.4% | |
| 6 | California | 1 | 3.4% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Gasoline StationsNAICS 4571 | 15 | 51.7% | |
| 2 | Gasoline StationsNAICS 4471 | 11 | 37.9% | |
| 3 | Grocery StoresNAICS 4451 | 3 | 10.3% |
Approval sizes
- $50,000 or less3.4%1
- $350,001 to $1 million20.7%6
- $1 million to $2 million34.5%10
- Over $2 million41.4%12
Age of the businesses
- Existing, more than 2 years old27.6%8
- New business, 2 years or less37.9%11
- Change of ownership34.5%10
Questions and answers
How many SBA loans go to Jackson Food Stores, Inc. franchises?
57 approvals since FY2018, worth $111M; 29 in FY2021 to FY2025.
Which lenders make SBA loans for Jackson Food Stores, Inc. franchises?
By approvals in FY2021 to FY2025: Celtic Bank Corporation (7), UniBank (4), US Metro Bank (3), Mountain America FCU (3), O Bee Credit Union (1).
How large is a typical SBA loan for a Jackson Food Stores, Inc. franchise?
The average approval in FY2021 to FY2025 was $2.1M.
What share of Jackson Food Stores, Inc. SBA loans are charged off?
There are fewer than 30 disbursed loans from the matured approval years, too few for a rate.
Are SBA loans to Jackson Food Stores, Inc. franchises rising?
Approvals in the three latest complete fiscal years total 10, against 26 in the three before: falling (-62%).
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error