SBA 7(a)/504 FOIA · FY1991–PRESENT · UTAH
Chevron (Gas Station) franchise in Utah: what the public record shows
Franchisees of Chevron (Gas Station) in Utah have taken 11 SBA loans since 1991 (average $524,481), and of the 11 loans whose story has ended, 18.2% were charged off — versus 6.6% for Chevron (Gas Station) nationally and 14.8% across all rateable franchise brands.
Loans in UT
11
Resolved
11
Local charge-off
18.2%
National charge-off
6.6%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = UT. Charge-off rate = charged-off ÷ (charged-off + paid-in-full); open loans excluded. A local rate is published only when the resolved cohort clears our floor.
Businesses in this industry
1,130
statewide, all operators
Per 100k residents
32.3
national 30.2
Versus the country
+7%
denser
Every business in Chevron (Gas Station)'s industry operating in Utah — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across 198 brand-state cells in our loan data, the densest quartile charges off at 5.6% versus 18.1% in the thinnest. A crowded market is usually proven demand; an empty one is often empty for a reason.
| System | Loans in UT | Local charge-off | Units in UT |
|---|---|---|---|
| Grease Monkey | 17 | 0.0% | — |
| Aamco Transmissions | 12 | thin | — |
| Exxon | 9 | thin | — |
| Napa Auto Parts | 8 | thin | — |
| Maaco Auto Painting Center | 7 | thin | — |
| Phillips 66 | 6 | thin | — |
| Pirtek | 6 | thin | — |
| JIFFY LUBE | 5 | thin | 79 |
| Meineke | 5 | thin | — |
| Tire Pros | 5 | thin | 17 |
Same sector, same state, same public records — how Chevron (Gas Station) compares to the systems a buyer in Utah would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
A broker is paid by the franchisor to place you. An independent CPA is paid by you — and the job is pressure-testing Chevron (Gas Station)'s numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →