SBA 7(a)/504 FOIA · FY1991–PRESENT · SOUTH CAROLINA
Exxon franchise in South Carolina: what the public record shows
Franchisees of Exxon in South Carolina have taken 7 SBA loans since 1991 (average $782,971)— too few resolved loans in-state to publish a local failure rate (we require a resolved cohort, never extrapolate), so the brand's national rate of 5.5% is the better guide.
Loans in SC
7
Resolved
3
Local charge-off
thin
National charge-off
5.5%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = SC. 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 of 30 loans.
Businesses in this industry
1,337
statewide, all operators
Per 100k residents
24.4
national 30.2
Versus the country
-19%
thinner
Every business in Exxon's industry operating in South Carolina — 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 SC | Local charge-off | Units in SC |
|---|---|---|---|
| Meineke | 19 | 28.6% | — |
| Aamco Transmissions | 13 | thin | — |
| All Tune and Lube | 10 | thin | — |
| Grease Monkey | 9 | thin | — |
| Maaco Auto Painting Center | 9 | thin | — |
| Cottman Transmission | 5 | thin | — |
Same sector, same state, same public records — how Exxon compares to the systems a buyer in South Carolina 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 Exxon's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →