FRANCHISE·WATCH·DESK

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

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

Franchisees of Sunoco Service Station in Michigan have taken 30 SBA loans since 1991 (average $548,876), and of the 21 loans whose story has ended, 14.3% were charged off — versus 13.2% for Sunoco Service Station nationally and 14.8% across all rateable franchise brands.

SBA loan outcomes · Michiganvs national

Loans in MI

30

Resolved

21

Local charge-off

14.3%

National charge-off

13.2%

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

Businesses in this industry

3,173

statewide, all operators

Per 100k residents

31.3

national 30.2

Versus the country

+4%

denser

Every business in Sunoco Service Station's industry operating in Michigan — 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 Michigan12 systems
SystemLoans in MILocal charge-offUnits in MI
Midas Muffler Shop190.0%
Mobil Oil (Stations)19thin
Amoco (Gas Station)10thin
Maaco Auto Painting Center10thin
Shell Service Station10thin
LINE-X9thin3
Marathon Oil9thin
Meineke9thin
All Tune and Lube8thin
Napa Auto Parts8thin
Tuffy Muffler Center8thin
Valvoline Instant Oil Change7thin

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

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