Conoco Service Station vs Exxon
Conoco Service Station vs Exxon: Conoco Service Station costs $100K to $1.5M to open; Exxon costs $65K to $1.4M. Conoco Service Station has 116 units, Exxon has 204. SBA loan history: Conoco Service Station = 110 loans (13.6% default); Exxon = 170 loans (6.5% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
Conoco Service Station vs Exxon: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Exxon requires the lower minimum capital commitment ($65K vs $100K for Conoco Service Station), a 54% spread. Initial franchise fees come in at $26K for Conoco Service Station versus $50K for Exxon, Conoco Service Station has the lower entry fee.
System Scale & Tenure
On scale, Exxon operates 204 units to Conoco Service Station's 116. Conoco Service Station has been operating 151 years (founded 1875) versus 18 for Exxon (founded 2008), a 133-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Exxon has the deeper SBA lending track record, with 170 7(a) approvals compared with 110 for Conoco Service Station. Conoco Service Station's peak SBA year was 2012 (14 loans); Exxon's peak was 1994 (15 loans). Conoco Service Station's more recent peak generally indicates fresher lender appetite. Both systems have the most SBA funded units in TX. Borrowers in that state will find the deepest lender familiarity with either brand. Average SBA loan size on funded Conoco Service Station deals is $776K vs $661K for Exxon, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 13.6% for Conoco Service Station and 6.5% for Exxon, Exxon has the cleaner SBA loss record by 7.1 points. PeerSense FPI scores come in at 28 (Fair) for Conoco Service Station and 42 (Fair) for Exxon, giving Exxon the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 28/100 | 42/100 |
Health Tier | Limited | Fair |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 110 | 170 |
SBA Volume | – | – |
Default Rate | 13.6% | 6.5% |
Peer Tier | major | major |
Investment & Costs
Total Investment | $100K to $1.5M | $65K to $1.4M |
Franchise Fee | $26K | $50K |
Royalty Rate | N/A | N/A |
Ad Fund | N/A | N/A |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 116 | 204 |
Franchised Units | 116 | 204 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 1875 | 2008 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | HOUSTON, TX | HOUSTON, TX |
Category | Gasoline Stations with Convenience Stores | Gasoline Stations with Convenience Stores |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Conoco Service Station or Exxon?
Lower upfront capital required
Tie
Conoco Service Station: $100K starting · Exxon: $65K starting
More SBA lender confidence
Exxon
Conoco Service Station: 110 SBA loans · Exxon: 170 SBA loans
Lower SBA default rate
Exxon
Conoco Service Station: 13.6% · Exxon: 6.5%
Larger system & brand presence
Tie
Conoco Service Station: 116 units · Exxon: 204 units
More lender financing options
Exxon
Conoco Service Station: 63 unique lenders · Exxon: 86 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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Conoco Service Station vs Exxon: Franchise Funding Comparison
Comparing Conoco Service Station and Exxon is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $65K to $1.5M.
Conoco Service Station has 110 SBA loans on record and Exxon has 170. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
Conoco Service Station vs Exxon, Frequently Asked Questions
Which is a better franchise investment, Conoco Service Station or Exxon?
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Which has a lower SBA default rate, Conoco Service Station or Exxon?
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
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