SBA Loans for Costa Oil Franchises
Who actually funds Costa Oil SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2022 to 2026.
Top lenders funding Costa Oil SBA loans
Ranked by number of Costa Oil 7(a) loans approved since 2022.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 6 | $924K | $154K |
| 2 | Fidelity Bank, National Association | 2 | $535K | $268K |
| 2 | FDIC - Community Bank & Trust-West Georgia | 2 | $1.0M | $506K |
| 4 | First Merchants Bank | 1 | $1.4M | $1.4M |
| 4 | Stearns Bank National Association | 1 | $765K | $765K |
| 4 | First Bank of the Lake | 1 | $250K | $250K |
| 4 | Bank Michigan | 1 | $229K | $229K |
| 4 | Bank Five Nine | 1 | $1.3M | $1.3M |
Source: SBA FOIA 7(a) loan-level data, 2022 to 2026. Shows lenders with at least one approved Costa Oil loan in this period, ranked by loan count.
Costa Oil SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| TX | 6 | $4.6M | $765K |
| KS | 2 | $535K | $268K |
| NC | 2 | $381K | $191K |
| OH | 2 | $267K | $134K |
| TN | 1 | $250K | $250K |
| MI | 1 | $229K | $229K |
| FL | 1 | $217K | $217K |
Costa Oil SBA loans by year
How Costa Oil SBA loans have performed
Outcomes for every funded Costa Oil 7(a) loan approved since FY2010. Each SBA loan usually finances one location, so read these as an estimate of units.
Source: SBA FOIA 7(a) loan-level data. Defaulted means the SBA purchased the guaranty (charged off, or purchased and not yet charged off). Recent loans have had less time to default, and small loan counts swing widely, so one or two loans can move these percentages a lot.
How to use this
The lenders above have actually closed SBA 7(a) loans for Costa Oil franchisees, so they already understand the brand's model, unit economics, and franchise agreement. That familiarity usually means a faster, cleaner underwrite than a lender seeing the concept for the first time.
A lender being active historically doesn't mean they're the right fit for your deal size, location, or timing right now. That's where we come in, and we match your Costa Oil deal to a lender currently funding this brand.
Financing a Costa Oil franchise?
We know which lenders are actively funding Costa Oil deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).