SBA 7(a)/504 FOIA · FY1991–PRESENT · MISSOURI
Phillips 66 franchise in Missouri: what the public record shows
Franchisees of Phillips 66 in Missouri have taken 5 SBA loans since 1991 (average $528,060)— 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 9.6% is the better guide.
Loans in MO
5
Resolved
2
Local charge-off
thin
National charge-off
9.6%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MO. 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
1,993
statewide, all operators
Per 100k residents
31.9
national 30.2
Versus the country
+6%
denser
Every business in Phillips 66's industry operating in Missouri — 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 MO | Local charge-off | Units in MO |
|---|---|---|---|
| Conoco Service Station | 19 | 30.8% | — |
| Midas Muffler Shop | 17 | 28.6% | — |
| Meineke | 14 | 16.7% | — |
| Aamco Transmissions | 13 | 45.5% | — |
| Maaco Auto Painting Center | 10 | thin | — |
| Cottman Transmission | 8 | thin | — |
| Carstar | 7 | thin | — |
| Christian Brothers Automotive | 7 | thin | — |
| Napa Auto Parts | 7 | thin | — |
| LINE-X | 5 | thin | 3 |
Same sector, same state, same public records — how Phillips 66 compares to the systems a buyer in Missouri 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 Phillips 66's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →