PHILLIPS 66: how its 76 SBA loans actually performed
Gasoline Stations with Convenience Stores · 76 units financed with SBA 7(a) loans since 2010 · 35 lenders have funded this brand.
No defaults on record
None of the 28 seasoned SBA loans to PHILLIPS 66 charged off within seven years — a 0.0% rate, against 5.7% across all SBA 7(a) loans.
How this brand compares
share of owners who defaulted within seven yearsWho lends on it
most active lenders, 2010 onward| Lender | Units funded |
|---|---|
| Commonwealth Business Bank | 9 |
| Bank of Hope | 6 |
| PCB Bank | 6 |
| Open Bank | 5 |
| Celtic Bank Corporation | 5 |
| Readycap Lending, LLC | 5 |
35 lenders have funded PHILLIPS 66 since 2010. Fewer active lenders means less competition on your rate.
A note on sample size
PHILLIPS 66 is a smaller-sample brand: 28 of its SBA loans are old enough to judge (our flagship brands have 60+). The default rate above is a real count, but read it as a signal rather than a verdict — with 28 loans, a handful of outcomes moves the number. We omit the year-by-year breakdowns shown on larger brands, which would be noisy at this size.
Common questions
How many PHILLIPS 66 SBA loans have defaulted?
0 of 28 seasoned PHILLIPS 66 SBA 7(a) loans charged off within seven years — a 0.0% default rate, against 5.7% across all SBA 7(a) loans.
Is a PHILLIPS 66 franchise a safe SBA loan bet?
By the numbers its default rate is below the SBA-wide 5.7% average. That is a financing signal, not a verdict on the business — and with 28 loans it is a smaller sample than our flagship brands.
Which lenders fund PHILLIPS 66 franchises?
35 lenders have made SBA loans to PHILLIPS 66 since 2010, led by Commonwealth Business Bank.