Franchise brands › Sunoco, LLC
Franchise brand101 approvals since FY2017
SBA loans to Sunoco, LLC 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.
SBA lists 101 loan approvals since FY2017 under the Sunoco, LLC franchise brand, worth $150M; 52 of them came in FY2021 to FY2025.
In FY2025 there were 14. The average approval in the five-year window was $1.6M, and 10 of the approvals were 504 loans.
27 lenders made the FY2021 to FY2025 loans across 11 states; the most active were Metro City Bank (12), Enterprise Bank & Trust (5) and Empire State Certified Development Corporation (4).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 2.0% as charged off, below the 6.0% for all SBA loans from those years. The figures describe loans to independent franchise owners, not 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 | $6.6M | $1.3M | 0 | 34 |
| FY2025 | 14 | $20.0M | $1.4M | 3 | 49 |
| FY2024 | 1 | — | — | 0 | 1 |
| FY2023 | 8 | $16.9M | $2.1M | 3 | 62 |
| FY2022 | 11 | $14.9M | $1.4M | 2 | 46 |
| FY2021 | 18 | $30.2M | $1.7M | 2 | 110 |
| FY2020 | 15 | $23.3M | $1.6M | 3 | 112 |
| FY2019 | 19 | $25.2M | $1.3M | 1 | 94 |
| FY2018 | 9 | $12.2M | $1.4M | 1 | 106 |
| FY2017 | 1 | — | — | 0 | 4 |
| FY2016 | 0 | — | — | 0 | 0 |
SBA's franchise field lists the brand as "Sunoco, LLC (Various Brands) Fuel Supply Agreement". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Sunoco, LLC | All SBA loans |
|---|---|---|
| Approvals in these years | 62 | 725,496 |
| Cancelled or never disbursed | 11 | 91,827 |
| Disbursed loans | 51 | 633,669 |
| Paid in full | 32 | 471,304 |
| Charged off | 1 | 37,796 |
| Still outstanding (status exempt from disclosure) | 18 | 124,569 |
| Charged off, share of disbursed loans | 2.0% | 6.0% |
| Dollars charged off, share of disbursed dollars | 0.7% | 2.2% |
| Dollars charged off | $558K | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Metro City BankDoraville, GA | 12 | $18.9M | 23.1% | |
| 2 | Enterprise Bank & TrustClayton, MO | 5 | $5.3M | 9.6% | |
| 3 | Empire State Certified Development CorporationLatham, NY · CDC | 4 | $3.9M | 7.7% | |
| 4 | Bank of the OrientSan Francisco, CA | 3 | $4.5M | 5.8% | |
| 5 | T Bank, National AssociationDallas, TX | 2 | — | 3.8% | |
| 6 | The MINT National BankKingwood, TX | 2 | — | 3.8% | |
| 7 | Citizens BankElizabethton, TN | 2 | — | 3.8% | |
| 8 | The Huntington National BankColumbus, OH | 2 | — | 3.8% | |
| 9 | Commonwealth Business BankLos Angeles, CA | 2 | — | 3.8% | |
| 10 | Business Finance Group, Inc.Fairfax, VA · CDC | 1 | — | 1.9% | |
| 11 | Open BankLos Angeles, CA | 1 | — | 1.9% | |
| 12 | Stellar BankHouston, TX | 1 | — | 1.9% | |
| 13 | One World BankDallas, TX | 1 | — | 1.9% | |
| 14 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 1.9% | |
| 15 | TD Bank, National AssociationWilmington, DE | 1 | — | 1.9% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Texas | 33 | 63.5% | |
| 2 | New York | 6 | 11.5% | |
| 3 | Pennsylvania | 4 | 7.7% | |
| 4 | Michigan | 2 | 3.8% | |
| 5 | Virginia | 1 | 1.9% | |
| 6 | Wisconsin | 1 | 1.9% | |
| 7 | Louisiana | 1 | 1.9% | |
| 8 | Ohio | 1 | 1.9% | |
| 9 | Massachusetts | 1 | 1.9% | |
| 10 | New Jersey | 1 | 1.9% | |
| 11 | North Carolina | 1 | 1.9% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Gasoline StationsNAICS 4571 | 30 | 57.7% | |
| 2 | Gasoline StationsNAICS 4471 | 21 | 40.4% | |
| 3 | Grocery and Related Product Merchant WholesalersNAICS 4244 | 1 | 1.9% |
Approval sizes
- $50,000 or less1.9%1
- $50,001 to $150,0001.9%1
- $150,001 to $350,0005.8%3
- $350,001 to $1 million30.8%16
- $1 million to $2 million36.5%19
- Over $2 million23.1%12
Age of the businesses
- Existing, more than 2 years old42.3%22
- New business, 2 years or less25.0%13
- Startup, loan funds will open the business7.7%4
- Change of ownership25.0%13
Questions and answers
How many SBA loans go to Sunoco, LLC franchises?
101 approvals since FY2017, worth $150M; 52 in FY2021 to FY2025.
Which lenders make SBA loans for Sunoco, LLC franchises?
By approvals in FY2021 to FY2025: Metro City Bank (12), Enterprise Bank & Trust (5), Empire State Certified Development Corporation (4), Bank of the Orient (3), T Bank, National Association (2).
How large is a typical SBA loan for a Sunoco, LLC franchise?
The average approval in FY2021 to FY2025 was $1.6M.
What share of Sunoco, LLC SBA loans are charged off?
Of 51 disbursed loans approved in FY2010 to FY2021, 1 (2.0%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to Sunoco, LLC franchises rising?
Approvals in the three latest complete fiscal years total 23, against 44 in the three before: falling (-48%).
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