Chester's
7
SBA Loans
$14.3M
Total Financed
$2.0M
Avg Loan Size
—
YoY Loan Growth
How Chester's Compares
- Ranks #34 of 265 Convenience & Gas brands by SBA loan count (#1,146 of 3,543 overall).
- Its average loan of $2.0M is 55% above the Convenience & Gas median of $1.3M.
- With only 7 loans on record, its own charge-off rate isn't statistically meaningful -- for context, Convenience & Gas brands overall see a 0.3% charge-off rate across 1,120 loans.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2021 | 4 | $7.4M |
| FY2023 | 1 | $3.7M |
| FY2025 | 1 | $1.4M |
| FY2026 | 1 | $1.8M |
FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Chester's Is Getting SBA-Financed
Recent SBA-Financed Chester's Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Chester's growing or shrinking?
Chester's doesn't have enough SBA loan activity in both FY2025 and FY2026 to calculate a reliable year-over-year trend. For context, it ranks #34 of 265 Convenience & Gas brands by total SBA loan count since FY2020 -- a snapshot of scale, if not of trend.
How much does it cost to open a Chester's franchise?
We don't have that figure -- investment ranges and fees come from a franchisor's Franchise Disclosure Document (FDD), which this site doesn't parse (see methodology). The average SBA loan size of $2.0M (55% above the typical Convenience & Gas brand's $1.3M) is a rough proxy, but SBA loans often cover only part of total investment.
What's the SBA loan default rate for Chester's?
Chester's only has 7 SBA loans on record -- too few to calculate a meaningful charge-off rate on its own. For context, Convenience & Gas brands overall see a 0.3% charge-off rate across 1,120 loans.
Top SBA Lenders
- Enterprise Bank & Trust2
- Celtic Bank Corporation2
- North State Bank1
- Byline Bank1
- Harvest Small Business Finance, LLC1
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset