FRANCHISE·WATCH·DESK

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

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

Franchisees of Sunoco, LLC (Various Brands) Fuel Supply Agreement in Pennsylvania have taken 10 SBA loans since 1991 (average $1,004,300)— 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 · Pennsylvaniavs national

Loans in PA

10

Resolved

5

Local charge-off

thin

National charge-off

2.9%

Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = PA. 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 · Pennsylvania vs nationalDense market

Businesses in this industry

5,132

statewide, all operators

Per 100k residents

39.2

national 30.2

Versus the country

+30%

denser

Every business in Sunoco, LLC (Various Brands) Fuel Supply Agreement's industry operating in Pennsylvania — 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 · Pennsylvania vs nationalTypical wages

Avg weekly wage, this industry

$979

Pennsylvania, BLS QCEW 2025

National average

$1,002

same industry, all states

Versus the country

-2%

cheaper to staff

What Sunoco, LLC (Various Brands) Fuel Supply Agreement's industry actually pays workers in Pennsylvania, 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 Pennsylvania12 systems
SystemLoans in PALocal charge-offUnits in PA
Aamco Transmissions4525.0%
Meineke4530.8%
Sunoco Service Station427.4%
Cottman Transmission1726.7%
Maaco Auto Painting Center140.0%
All Tune and Lube11thin
1-800-Radiator & A/C8thin
Midas Muffler Shop8thin
LINE-X6thin4
Carstar5thin
Exxon5thin
Maaco Auto Painting & Bodyworks/Maaco Collisi5thin

Same sector, same state, same public records — how Sunoco, LLC (Various Brands) Fuel Supply Agreement compares to the systems a buyer in Pennsylvania 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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