Costa Oil
15
SBA Loans
$6.5M
Total Financed
$431K
Avg Loan Size
—
YoY Loan Growth
How Costa Oil Compares
- Ranks #25 of 125 Automotive Services brands by SBA loan count (#671 of 3,543 overall).
- Its average loan of $431K is 5% below the Automotive Services median of $453K.
- With only 15 loans on record, its own charge-off rate isn't statistically meaningful -- for context, Automotive Services brands overall see a 1.5% charge-off rate across 1,424 loans.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2022 | 2 | $267K |
| FY2023 | 3 | $631K |
| FY2024 | 8 | $4.5M |
| FY2026 | 2 | $1.0M |
FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Costa Oil Is Getting SBA-Financed
Recent SBA-Financed Costa Oil Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Costa Oil growing or shrinking?
Costa Oil doesn't have enough SBA loan activity in both FY2025 and FY2026 to calculate a reliable year-over-year trend. For context, it ranks #25 of 125 Automotive Services brands by total SBA loan count since FY2020 -- a snapshot of scale, if not of trend.
How much does it cost to open a Costa Oil 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 $431K (5% below the typical Automotive Services brand's $453K) is a rough proxy, but SBA loans often cover only part of total investment.
What's the SBA loan default rate for Costa Oil?
Costa Oil only has 15 SBA loans on record -- too few to calculate a meaningful charge-off rate on its own. For context, Automotive Services brands overall see a 1.5% charge-off rate across 1,424 loans.
Top SBA Lenders
- The Huntington National Bank6
- FDIC - Community Bank & Trust-West Georgia2
- Fidelity Bank, National Association2
- First Bank of the Lake1
- Bank Five Nine1
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset