FRANCHISE·WATCH·DESK

SBA 7(a)/504 FOIA · FY1991–PRESENT · NEW YORK

Sunoco, LLC (Various Brands) Fuel Supply Agreement franchise in New York: what the public record shows

Franchisees of Sunoco, LLC (Various Brands) Fuel Supply Agreement in New York have taken 9 SBA loans since 1991 (average $1,596,111)— 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 2.9% is the better guide.

SBA loan outcomes · New Yorkvs national

Loans in NY

9

Resolved

1

Local charge-off

thin

National charge-off

2.9%

Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = NY. 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.

Market density · New York vs nationalTypical density

Businesses in this industry

6,236

statewide, all operators

Per 100k residents

31.4

national 30.2

Versus the country

+4%

denser

Every business in Sunoco, LLC (Various Brands) Fuel Supply Agreement's industry operating in New York — 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.

Labor cost · New York vs nationalTypical wages

Avg weekly wage, this industry

$905

New York, BLS QCEW 2025

National average

$1,002

same industry, all states

Versus the country

-10%

cheaper to staff

What Sunoco, LLC (Various Brands) Fuel Supply Agreement's industry actually pays workers in New York, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This is a real cost signal 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.

Same-sector systems with SBA loan history in New York10 systems
SystemLoans in NYLocal charge-offUnits in NY
Aamco Transmissions3226.1%
Meineke2231.6%
Midas Muffler Shop159.1%
Mobil Oil (Stations)15thin
Maaco Auto Painting Center13thin
Exxon11thin
Maaco Auto Painting & Bodyworks/Maaco Collisi11thin
Sunoco Service Station11thin
Napa Auto Parts10thin
Carstar6thin

Same sector, same state, same public records — how Sunoco, LLC (Various Brands) Fuel Supply Agreement compares to the systems a buyer in New York would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.

Before you sign anythingfree · 30 min · no commission

A broker is paid by the franchisor to place you. I'm paid by you — and the job is pressure-testing Sunoco, LLC (Various Brands) Fuel Supply Agreement's numbers, including talking you out of a bad deal.

Don Drummond, CPA — Virginia #43775 · what I charge

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