How much do lenders finance for a A.R. Brooks Enterprises, Inc dba Lance Oil Company franchise?

The median SBA loan approved for a A.R. Brooks Enterprises, Inc dba Lance Oil Company franchise is $1,337,000, with the middle 80% of loans between $775,000 and $2,098,500. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance A.R. Brooks Enterprises, Inc dba Lance Oil Company franchises?

By dollars approved, the most active SBA lenders for A.R. Brooks Enterprises, Inc dba Lance Oil Company have been Georgia's Own Credit Union, The Huntington National Bank, Capital Partners Certified Development Company, HomeTrust Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

Franchise financing

Financing a A.R. Brooks Enterprises, Inc dba Lance Oil Company franchise

SBA lenders have approved 12 loans against the A.R. Brooks Enterprises, Inc dba Lance Oil Company brand since FY2010, totalling $17.7M. The median approval was $1,337,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1381

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$1,337,000

Typical range

$775K-$2.1M

Middle 80% of loans

Median term

25 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed A.R. Brooks Enterprises, Inc dba Lance Oil Company

Lender	Loans	Approved
Georgia's Own Credit Union	1	$2.7M
The Huntington National Bank	2	$2.2M
Capital Partners Certified Development Company	2	$2.2M
HomeTrust Bank	1	$2.1M
First National Community Bank	1	$2.1M
Houston-Galveston Area Local Development Corporation	1	$1.9M
Florida Business Development Corporation	1	$1.9M
SouthState Bank	1	$1.2M

Geography

Where A.R. Brooks Enterprises, Inc dba Lance Oil Company units were financed

State	Loans	Share
Georgia	11
Texas	1

Approvals by fiscal year

’18

’19

’20

’21

’22

’23

’24

’25

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

$350K - $1M
33%
$1M - $2M
42%
Over $2M
25%

Financing a A.R. Brooks Enterprises, Inc dba Lance Oil Company: common questions

How much do lenders finance for a A.R. Brooks Enterprises, Inc dba Lance Oil Company franchise?: The median SBA loan approved for a A.R. Brooks Enterprises, Inc dba Lance Oil Company franchise is $1,337,000, with the middle 80% of loans between $775,000 and $2,098,500. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance A.R. Brooks Enterprises, Inc dba Lance Oil Company franchises?: By dollars approved, the most active SBA lenders for A.R. Brooks Enterprises, Inc dba Lance Oil Company have been Georgia's Own Credit Union, The Huntington National Bank, Capital Partners Certified Development Company, HomeTrust Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are A.R. Brooks Enterprises, Inc dba Lance Oil Company SBA loans?: The median term is 25 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

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