FRANCHISE·WATCH·DESK

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

Sunoco Service Station franchise in Indiana: what the public record shows

Franchisees of Sunoco Service Station in Indiana have taken 6 SBA loans since 1991 (average $630,333)— 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 13.2% is the better guide.

SBA loan outcomes · Indianavs national

Loans in IN

6

Resolved

6

Local charge-off

thin

National charge-off

13.2%

Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = IN. 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 · Indiana vs nationalTypical density

Businesses in this industry

2,248

statewide, all operators

Per 100k residents

32.5

national 30.2

Versus the country

+8%

denser

Every business in Sunoco Service Station's industry operating in Indiana — 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.

Same-sector systems with SBA loan history in Indiana12 systems
SystemLoans in INLocal charge-offUnits in IN
Midas Muffler Shop350.0%
Meineke2413.6%
Marathon Oil12thin
Aamco Transmissions11thin
Maaco Auto Painting Center9thin
Shell Service Station9thin
Citgo Service Station8thin
Phillips 668thin
All Tune and Lube7thin
LINE-X7thin2
Amoco (Gas Station)6thin
JIFFY LUBE5thin70

Same sector, same state, same public records — how Sunoco Service Station compares to the systems a buyer in Indiana would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.

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