SBA 7(a)/504 FOIA · FY1991–PRESENT · GEORGIA
Chevron (Gas Station) franchise in Georgia: what the public record shows
Franchisees of Chevron (Gas Station) in Georgia have taken 47 SBA loans in the FY1991–present FOIA files (average $859,178). Those approved through FY2020 defaulted less often than franchise loans made in the same years nationally: 1 charge-offs among 32 resolved loans, where about 5 would be expected (0.2×). Chevron (Gas Station)'s national ratio is 0.4×.
Loans in GA
47
Charged off (all years)
1 of 32
Loss ratio in GA
0.2×
Loss ratio nationally
0.4×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = GA. Loss ratio = charge-offs among loans approved through FY2020 ÷ the charge-offs expected if each had defaulted at the national rate for franchise loans approved the same year; 1.0× is the same. Only charged-off and paid-in-full loans count. A ratio is shown at 30+ such loans; “not clear” marks a ratio chance alone could produce. The all-years count mixes every era and is evidence, not a rate to compare. Borrowers are matched to the brand by name and SBA franchise code; some matches may be wrong or missing.
Businesses in this industry
2,847
statewide, all operators
Per 100k residents
25.5
national 30.2
Versus the country
-16%
thinner
Every business in Chevron (Gas Station)'s industry operating in Georgia — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across the brand-state cells in the loan data, denser markets have historically charged off less often than the thinnest (see the research page). A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$1,044
Georgia, BLS QCEW 2025
National average
$1,002
same industry, all states
Versus the country
+4%
costlier to staff
What Chevron (Gas Station)'s industry actually pays workers in Georgia, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This cost signal is independent of the FDD: a market can look demand-rich above and still carry a margin headwind here if local wages run hot for the sector.
| System | Loans in GA | Charged off (all years) | Loss ratio in GA | Units in GA |
|---|---|---|---|---|
| Meineke | 43 | 8 of 27 | — | — |
| Shell Service Station | 34 | 3 of 25 | — | — |
| Matco Tools | 33 | 5 of 31 | 0.8×NOT CLEAR | — |
| Texaco Service Station | 26 | 1 of 17 | — | — |
| Aamco Transmissions | 24 | 7 of 15 | — | — |
| Christian Brothers Automotive | 24 | 0 of 21 | — | — |
| Maaco | 23 | 2 of 20 | — | — |
| Citgo Service Station | 21 | 0 of 17 | — | — |
| All Tune and Lube | 16 | 7 of 12 | — | — |
| CIRCLE K | 13 | 1 of 6 | — | 75 |
| Amoco (Gas Station) | 11 | 0 of 7 | — | — |
| Midas Muffler Shop | 10 | 1 of 8 | — | — |
Other systems in Chevron (Gas Station)'s sector whose franchisees borrowed in Georgia. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.
A broker is usually paid by the franchisor to place you. I'm paid only by you, never by a franchisor you're considering — and the job is pressure-testing Chevron (Gas Station)’s numbers, including talking you out of a bad deal.