How much does a U.S. Oil (Citgo) Retailer Supply Agreement cost to buy or open?

The typical deal for U.S. Oil (Citgo) Retailer Supply Agreement is $401K across 5 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $44K of buyer cash on a typical deal.

How risky is U.S. Oil (Citgo) Retailer Supply Agreement?

U.S. Oil (Citgo) Retailer Supply Agreement 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.

Can I finance a U.S. Oil (Citgo) Retailer Supply Agreement with an SBA loan?

Yes — U.S. Oil (Citgo) Retailer Supply Agreement 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.

U.S. Oil (Citgo) Retailer Supply Agreement SBA Intelligence: Real Cost, Rates & Failure Rate

Recent financings

Virk's Liquor in Janesville, WI — $1.2M (2023) · purchase · Celtic Bank Corporation

Program: Preferred Lenders Program
Rate at approval: 10% variable
Term: 300 mo (25 yrs)
SBA guaranteed: $930K (75%)
Approval → funding: 24 days
Approved: 5/19/2023
First disbursed: 6/12/2023
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Jobs supported: 2
Business age: Change of Ownership
Industry: Gasoline Stations with Convenience Stores

If you were the buyer here

Est. deal size: $1.4M
Est. down payment (10%): $138K
Est. cash at closing: $189K
Monthly payment: $11,268
Annual debt service: $135K
Cash flow needed (1.25×): $169K

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 Celtic Bank Corporation · Lender record →

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Komal Memon LLC in Conyers, GA — $530K (2023) · New Millennium Bank

Program: Preferred Lenders Program
Rate at approval: 9% variable
Term: 300 mo (25 yrs)
SBA guaranteed: $398K (75%)
Approval → funding: 22 days
Approved: 2/13/2023
First disbursed: 3/7/2023
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors

AKSHAT ENTERPRISE, INC in Winter Haven, FL — $401K (2021) · Central Bank

Program: Preferred Lenders Program
Rate at approval: 5.25% variable
Term: 300 mo (25 yrs)
SBA guaranteed: $361K (90%)
Approval → funding: 7 days
Approved: 6/23/2021
First disbursed: 6/30/2021
Loan status: Paid in full (8/31/2023)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market

Anderson Ria, Inc. in Kenosha, WI — $400K (2020) · purchase · Waukesha State Bank

Program: Preferred Lenders Program
Rate at approval: 6% variable
Term: 240 mo (20 yrs)
SBA guaranteed: $300K (75%)
Approved: 4/22/2020
Loan status: Cancelled
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 6
Business age: Change of Ownership
Industry: Gasoline Stations with Convenience Stores

Hank Fai Yee and Hank Fai Yee Corporation in Palmyra, WI — $65K (2020) · Waukesha State Bank

Program: Preferred Lenders Program
Rate at approval: 6% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $55K (85%)
Approved: 5/7/2020
Loan status: Cancelled
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 2
Business age: Existing or more than 2 years old
Industry

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

U.S. Oil (Citgo) Retailer Supply Agreement, by the numbers

Recent financings

Who funds U.S. Oil (Citgo) Retailer Supply Agreement — and where

Common questions

How much does a U.S. Oil (Citgo) Retailer Supply Agreement cost to buy or open?

How risky is U.S. Oil (Citgo) Retailer Supply Agreement?

Can I finance a U.S. Oil (Citgo) Retailer Supply Agreement with an SBA loan?

AI summary