Franchise financing
SHELL SERVICE STATION franchise financing
What it costs to finance a SHELL SERVICE STATION franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 179
- Total funded
- $216.0M
- Median loan
- $1.1M
- 7(a) charge-off
- 0.7%
What financing a SHELL SERVICE STATION franchise costs
The median SBA loan to a SHELL SERVICE STATION franchisee is $1.1M, and the middle half of SHELL SERVICE STATION's 179 loans run $594K to $1.6M (average $1.2M). Across all SBA-financed franchises the median loan is $350K. SHELL SERVICE STATION buyers borrow more than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median SHELL SERVICE STATION loan runs 25 years. Model your numbers with the franchise financing calculator.
Of the 167 SHELL SERVICE STATION loans where the SBA recorded a business age, 19.8% went to new businesses two years old or younger. The rest funded existing operations.
How to finance SHELL SERVICE STATION
SHELL SERVICE STATION franchisees have financed with 179 SBA loans since FY2010, averaging $1.2M each. Of those, 149 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 30 through 504 (owner-occupied real estate). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
SHELL SERVICE STATION's 7(a) charge-off rate is 0.7% across 149 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance SHELL SERVICE STATION
By SBA loan count
Where SHELL SERVICE STATION gets funded
Top states by loan count
- 1. California 53
- 2. Washington 24
- 3. Texas 25
- 4. Georgia 20
- 5. Colorado 7
- 6. Illinois 8
- 7. Wisconsin 6
- 8. Oregon 4
Financing a SHELL SERVICE STATION?
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SHELL SERVICE STATION SBA financing FAQ
How much does a SHELL SERVICE STATION franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a SHELL SERVICE STATION franchisee is $1.1M, and the middle half of SHELL SERVICE STATION's 179 loans run $594K to $1.6M. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of SHELL SERVICE STATION's franchise disclosure document.
Can you use an SBA loan for SHELL SERVICE STATION?
Yes. Lenders have funded 179 SBA loans to SHELL SERVICE STATION franchisees, worth $216.0M in all, so SHELL SERVICE STATION is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for SHELL SERVICE STATION?
The data says yes: of SHELL SERVICE STATION's 167 SBA loans that record a business age, 19.8% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance SHELL SERVICE STATION?
By loan count, the most active SBA lenders for SHELL SERVICE STATION are Bank of Hope, United Business Bank, Home Bank, National Association, among others. A lender already active with your brand often moves faster.
What is SHELL SERVICE STATION's SBA charge-off rate?
Across SHELL SERVICE STATION's 149 SBA 7(a) loans, 0.7% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits SHELL SERVICE STATION?
Both. Of SHELL SERVICE STATION's 179 SBA loans, 149 were 7(a) (franchise fee, build-out, equipment, working capital) and 30 were 504 (owner-occupied real estate). The median SHELL SERVICE STATION loan term is 25 years.