FRANCHISE·WATCH·DESK

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

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

Franchisees of Sunoco, LLC (Various Brands) Fuel Supply Agreement in Texas have taken 60 SBA loans since 1991 (average $1,617,860), and of the 23 loans whose story has ended, 0.0% were charged off — versus 2.9% for Sunoco, LLC (Various Brands) Fuel Supply Agreement nationally and 14.8% across all rateable franchise brands.

SBA loan outcomes · Texasvs national

Loans in TX

60

Resolved

23

Local charge-off

0.0%

National charge-off

2.9%

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

Market density · Texas vs nationalThin market

Businesses in this industry

8,024

statewide, all operators

Per 100k residents

25.6

national 30.2

Versus the country

-15%

thinner

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

Avg weekly wage, this industry

$968

Texas, BLS QCEW 2025

National average

$1,002

same industry, all states

Versus the country

-3%

cheaper to staff

What Sunoco, LLC (Various Brands) Fuel Supply Agreement's industry actually pays workers in Texas, 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 Texas12 systems
SystemLoans in TXLocal charge-offUnits in TX
Christian Brothers Automotive1290.0%
Exxon966.1%
Meineke7645.8%
Aamco Transmissions6932.5%
Chevron (Gas Station)6413.3%
Valero640.0%
All Tune and Lube5457.8%
Maaco Auto Painting Center5423.9%
Kwik Kar Oil & Lube526.5%
Texaco Service Station5210.8%
Shell Service Station453.6%
Cottman Transmission4451.3%

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

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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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