How much do lenders finance for a Phillips 66 Branded Reseller Agreement franchise?

The median SBA loan approved for a Phillips 66 Branded Reseller Agreement franchise is $2,151,000, with the middle 80% of loans between $785,000 and $4,975,000. 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 Phillips 66 Branded Reseller Agreement franchises?

By dollars approved, the most active SBA lenders for Phillips 66 Branded Reseller Agreement have been Commonwealth Business Bank, Bank of Hope, PCB Bank, Readycap Lending, LLC. 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 Phillips 66 Branded Reseller Agreement 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.

Franchise financing

Financing a Phillips 66 Branded Reseller Agreement franchise

SBA lenders have approved 81 loans against the Phillips 66 Branded Reseller Agreement brand since FY2010, totalling $191.2M. The median approval was $2,151,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#260

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$2,151,000

Typical range

$785K-$5.0M

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 Phillips 66 Branded Reseller Agreement

Lender	Loans	Approved
Commonwealth Business Bank	8	$22.0M
Bank of Hope	6	$19.2M
PCB Bank	7	$18.6M
Readycap Lending, LLC	6	$15.2M
Open Bank	5	$11.4M
US Metro Bank	3	$8.7M
Celtic Bank Corporation	2	$7.4M
Mortgage Capital Development Corporation	5	$7.3M

Geography

Where Phillips 66 Branded Reseller Agreement units were financed

State	Loans	Share
California	40
Washington	26
Oregon	5
Indiana	3
Illinois	3
South Dakota	1
Nebraska	1
Connecticut	1

Approvals by fiscal year

’18

’19

’20

’21

’22

’23

’24

’25

’26

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

Loan sizes

$150K - $350K
1%
$350K - $1M
19%
$1M - $2M
26%
Over $2M
54%

Financing a Phillips 66 Branded Reseller Agreement: common questions

How much do lenders finance for a Phillips 66 Branded Reseller Agreement franchise?: The median SBA loan approved for a Phillips 66 Branded Reseller Agreement franchise is $2,151,000, with the middle 80% of loans between $785,000 and $4,975,000. 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 Phillips 66 Branded Reseller Agreement franchises?: By dollars approved, the most active SBA lenders for Phillips 66 Branded Reseller Agreement have been Commonwealth Business Bank, Bank of Hope, PCB Bank, Readycap Lending, LLC. 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 Phillips 66 Branded Reseller Agreement 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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