How much do lenders finance for a Union 76 Oil franchise?

The median SBA loan approved for a Union 76 Oil franchise is $915,000, with the middle 80% of loans between $427,100 and $2,621,000. 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 Union 76 Oil franchises?

By dollars approved, the most active SBA lenders for Union 76 Oil have been Bank of Hope, Open Bank, United Business Bank, Enterprise Bank & Trust. 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 Union 76 Oil 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 Union 76 Oil franchise

SBA lenders have approved 27 loans against the Union 76 Oil brand since FY2010, totalling $36.2M. The median approval was $915,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#775

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$915,000

Typical range

$427K-$2.6M

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 Union 76 Oil

Lender	Loans	Approved
Bank of Hope	2	$5.9M
Open Bank	3	$4.6M
United Business Bank	3	$3.8M
Enterprise Bank & Trust	1	$3.1M
Wells Fargo Bank	2	$2.9M
T Bank	1	$2.6M
Harborstone CU	1	$2.4M
Celtic Bank Corporation	1	$2.3M

Geography

Where Union 76 Oil units were financed

State	Loans	Share
California	14
Washington	10
Oregon	2
Nevada	1

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

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
7%
$350K - $1M
44%
$1M - $2M
26%
Over $2M
22%

Financing a Union 76 Oil: common questions

How much do lenders finance for a Union 76 Oil franchise?: The median SBA loan approved for a Union 76 Oil franchise is $915,000, with the middle 80% of loans between $427,100 and $2,621,000. 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 Union 76 Oil franchises?: By dollars approved, the most active SBA lenders for Union 76 Oil have been Bank of Hope, Open Bank, United Business Bank, Enterprise Bank & Trust. 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 Union 76 Oil 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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