How risky is Tesoro Refining & Marketing Company, LLC (Shell) Retail Sale?

Tesoro Refining & Marketing Company, LLC (Shell) Retail Sale has 5 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.

Tesoro Refining & Marketing Company, LLC (Shell) Retail Sale SBA Intelligence: Real Cost, Rates & Failure Rate

Q: How much does a Tesoro Refining & Marketing Company, LLC (Shell) Retail Sale cost to buy or open?

The typical deal for Tesoro Refining & Marketing Company, LLC (Shell) Retail Sale is $2.1M across 5 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $229K of buyer cash on a typical deal.

Q: Can I finance a Tesoro Refining & Marketing Company, LLC (Shell) Retail Sale with an SBA loan?

Yes — Tesoro Refining & Marketing Company, LLC (Shell) Retail Sale has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Recent financings

San Mark Oil Inc in La Mesa, CA — $5.0M (2023) · purchase · American Continental Bank

Program: Preferred Lenders Program
Rate at approval: 7.25% variable
Term: 300 mo (25 yrs)
SBA guaranteed: $3.8M (75%)
Approval → funding: 11 days
Approved: 10/27/2022
First disbursed: 11/7/2022
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Jobs supported: 7
Business age: Change of Ownership
Industry: Gasoline Stations with Convenience Stores

If you were the buyer here

Est. deal size: $5.6M
Est. down payment (10%): $556K
Est. cash at closing: $769K
Monthly payment: $36,140
Annual debt service: $434K
Cash flow needed (1.25×): $542K

Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.

Funded by American Continental Bank · Lender record →

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Sai Ram 2610 Inc in Riverside, CA — $1.2M (2023) · purchase · East West Bank

Program: Preferred Lenders Program
Rate at approval: 8.25% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $900K (75%)
Approval → funding: 8 days
Approved: 10/27/2022
First disbursed: 11/4/2022
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 6

KDS Enterprises, Inc. in Pico Rivera, CA — $2.1M (2022) · purchase · United Business Bank

Program: 7a General
Rate at approval: 5% variable
Term: 300 mo (25 yrs)
SBA guaranteed: $1.6M (75%)
Approval → funding: 27 days
Approved: 4/8/2022
First disbursed: 5/5/2022
Loan status: Paid in full (3/31/2025)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market

Gurkirpa Enterprises Inc in Riverside, CA — $5.0M (2021) · Open Bank

Program: Preferred Lenders Program
Rate at approval: 4% variable
Term: 300 mo (25 yrs)
SBA guaranteed: $3.8M (75%)
Approval → funding: 83 days
Approved: 9/9/2021
First disbursed: 12/1/2021
Loan status: Paid in full (12/31/2024)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported

MYKC Petro Inc. in Orange, CA — $1.3M (2020) · Mega Bank

Program: Preferred Lenders Program
Rate at approval: 4.5% variable
Term: 300 mo (25 yrs)
SBA guaranteed: $990K (75%)
Approval → funding: 72 days
Approved: 5/20/2020
First disbursed: 7/31/2020
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors

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

Tesoro Refining & Marketing Company, LLC (Shell) Retail Sale, by the numbers

Recent financings

Who funds Tesoro Refining & Marketing Company, LLC (Shell) Retail Sale — and where

Common questions

How much does a Tesoro Refining & Marketing Company, LLC (Shell) Retail Sale cost to buy or open?

How risky is Tesoro Refining & Marketing Company, LLC (Shell) Retail Sale?

Can I finance a Tesoro Refining & Marketing Company, LLC (Shell) Retail Sale with an SBA loan?

AI summary