How risky is Circle K Stores, Inc. (Multi Brands) Complete Contract of Sa?

Circle K Stores, Inc. (Multi Brands) Complete Contract of Sa has 20 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Circle K Stores, Inc. (Multi Brands) Complete Contract of Sa SBA Intelligence: Real Cost, Rates & Failure Rate

Q: How much does a Circle K Stores, Inc. (Multi Brands) Complete Contract of Sa cost to buy or open?

The typical deal for Circle K Stores, Inc. (Multi Brands) Complete Contract of Sa is $1.7M across 20 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $186K of buyer cash on a typical deal.

Q: Can I finance a Circle K Stores, Inc. (Multi Brands) Complete Contract of Sa with an SBA loan?

Yes — Circle K Stores, Inc. (Multi Brands) Complete Contract of Sa has been SBA-financed 3 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Recent financings

Mobil Rosecrans Fuel in Bellflower, CA — $3.2M (2025) · Open Bank

Program: Preferred Lenders Program
Rate at approval: 8.75% variable
Term: 300 mo (25 yrs)
SBA guaranteed: $2.4M (75%)
Approval → funding: 32 days
Approved: 9/29/2025
First disbursed: 10/31/2025
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Jobs supported: 4
Business age: New Business or 2 years or less
Industry: Gasoline Stations with Convenience Stores

Funded by Open Bank · Lender record →

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R&D FUEL INC. in Colton, CA — $2.1M (2025) · purchase · Celtic Bank Corporation

Program: Preferred Lenders Program
Rate at approval: 9.5% variable
Term: 300 mo (25 yrs)
SBA guaranteed: $1.6M (75%)
Approval → funding: 43 days
Approved: 12/19/2024
First disbursed: 1/31/2025
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market

Kim's H2J, Inc. in Los Angeles, CA — $350K (2025) · purchase · PCB Bank

Program: Preferred Lenders Program
Rate at approval: 9.25% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $263K (75%)
Approved: 7/2/2025
Loan status: Cancelled
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 3
Business age: Change of Ownership
Industry: Gasoline Stations with Convenience Stores

Washington Mobil in San Diego, CA — $573K (2024) · purchase · Endeavor Bank

Program: 7a General
Rate at approval: 10.5% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $429K (75%)
Approval → funding: 40 days
Approved: 7/26/2024
First disbursed: 9/4/2024
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors

Mobil Jarupa Gas and Mini Market in Riverside, CA — $525K (2024) · purchase · Open Bank

Program: Preferred Lenders Program
Rate at approval: 10.5% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $394K (75%)
Approval → funding: 59 days
Approved: 5/11/2024
First disbursed: 7/9/2024
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market

Circle K in Reedley, CA — $4.8M (2023) · West Coast Community Bank

Program: Preferred Lenders Program
Rate at approval: 8.5% variable
Term: 311 months
SBA guaranteed: $3.6M (75%)
Approval → funding: 86 days
Approved: 12/12/2022
First disbursed: 3/8/2023
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 28

Prasla and Momin LLC in San Antonio, TX — $2.2M (2023) · Wallis Bank

Program: Preferred Lenders Program
Rate at approval: 9.25% variable
Term: 300 mo (25 yrs)
SBA guaranteed: $1.6M (75%)
Approval → funding: 6 days
Approved: 3/8/2023
First disbursed: 3/14/2023
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors

C&C 89 LLC in Buena Park, CA — $592K (2023) · purchase · American Continental Bank

Program: Preferred Lenders Program
Rate at approval: 8.5% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $444K (75%)
Approval → funding: 13 days
Approved: 10/25/2022
First disbursed: 11/7/2022
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market

Gurfateh Oil Inc in San Gabriel, CA — $2.8M (2022) · purchase · Open Bank

Program: Preferred Lenders Program
Rate at approval: 5.75% variable
Term: 300 mo (25 yrs)
SBA guaranteed: $2.0M (74%)
Approval → funding: 87 days
Approved: 7/22/2022
First disbursed: 10/17/2022
Loan status: Paid in full (5/31/2025)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market

VSJ CA Inc in Fullerton, CA — $1.9M (2022) · Commonwealth Business Bank

Program: Preferred Lenders Program
Rate at approval: 5.75% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $1.4M (75%)
Approval → funding: 21 days
Approved: 6/15/2022
First disbursed: 7/6/2022
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 6

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

Circle K Stores, Inc. (Multi Brands) Complete Contract of Sa, by the numbers

Recent financings

Who funds Circle K Stores, Inc. (Multi Brands) Complete Contract of Sa — and where

Common questions

How much does a Circle K Stores, Inc. (Multi Brands) Complete Contract of Sa cost to buy or open?

How risky is Circle K Stores, Inc. (Multi Brands) Complete Contract of Sa?

Can I finance a Circle K Stores, Inc. (Multi Brands) Complete Contract of Sa with an SBA loan?

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