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Side by Side Comparison

E.r.a Real Estate vs Phillips 66 Branded Reseller A

Quick Answer

E.r.a Real Estate vs Phillips 66 Branded Reseller A: E.r.a Real Estate costs $22K to $145K to open; Phillips 66 Branded Reseller A costs $785K to $5.0M. E.r.a Real Estate has 10 units, Phillips 66 Branded Reseller A has 65. SBA loan history: E.r.a Real Estate = 12 loans (25.0% default); Phillips 66 Branded Reseller A = 71 loans (0.0% 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.

E.r.a Real Estate vs Phillips 66 Branded Reseller A: 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

E.r.a Real Estate requires the lower minimum capital commitment ($22K vs $785K for Phillips 66 Branded Reseller A), a 97% spread.

System Scale & Tenure

On scale, Phillips 66 Branded Reseller A operates 65 units to E.r.a Real Estate's 10, roughly 7× the system size.

SBA Lending Profile

Phillips 66 Branded Reseller A has the deeper SBA lending track record, with 71 7(a) approvals compared with 12 for E.r.a Real Estate. E.r.a Real Estate's peak SBA year was 1995 (5 loans); Phillips 66 Branded Reseller A's peak was 2021 (16 loans). Phillips 66 Branded Reseller A's more recent peak generally indicates fresher lender appetite. E.r.a Real Estate has the most SBA funded units in NJ, with 2. Phillips 66 Branded Reseller A leads in CA, with 37. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded E.r.a Real Estate deals is $81K vs $2.4M for Phillips 66 Branded Reseller A, useful as a sizing anchor when modeling your own unit.

Risk Signal

SBA default rates are 25.0% for E.r.a Real Estate and 0.0% for Phillips 66 Branded Reseller A, Phillips 66 Branded Reseller A has the cleaner SBA loss record by 25.0 points. PeerSense FPI scores come in at 33 (Fair) for E.r.a Real Estate and 60 (Moderate) for Phillips 66 Branded Reseller A, giving Phillips 66 Branded Reseller A the stronger composite signal across SBA performance, lender appetite, and operational consistency.

E.r.a Real Estate
E.r.a Real Estate

Residential Property Managers

33
Phillips 66 Branded Reseller A
Phillips 66 Branded Reseller A

Residential Property Managers

60 4W

Health & Performance

FPI Score
33/100
60/100
Health Tier
Limited
Moderate
Confidence
N/A
N/A
Lending Trend
N/A
Declining

SBA Lending

SBA Loans
12
71
SBA Volume
–
–
Default Rate
25.0%
0.0%
Peer Tier
growing
established

Investment & Costs

Total Investment
$22K to $145K
$785K to $5.0M
Franchise Fee
$28K
N/A
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
10
65
Franchised Units
10
65
Company Owned
–
–
Term Length
N/A
N/A

Brand Information

Year Founded
N/A
2012
Franchising Since
N/A
N/A
Years Franchising
N/A
N/A
Headquarters
AZ
LOS ANGELES, CA
Category
Residential Property Managers
Residential Property Managers
Website
era.com
phillips66.com/energy-products-services/branded-marketer-support
FDD Year
N/A
N/A

Which Is Better, E.r.a Real Estate or Phillips 66 Branded Reseller A?

Lower upfront capital required

Tie

E.r.a Real Estate: $22K starting · Phillips 66 Branded Reseller A: $785K starting

More SBA lender confidence

Phillips 66 Branded Reseller A

E.r.a Real Estate: 12 SBA loans · Phillips 66 Branded Reseller A: 71 SBA loans

Lower SBA default rate

Phillips 66 Branded Reseller A

E.r.a Real Estate: 25.0% · Phillips 66 Branded Reseller A: 0.0%

Larger system & brand presence

Tie

E.r.a Real Estate: 10 units · Phillips 66 Branded Reseller A: 65 units

More lender financing options

Phillips 66 Branded Reseller A

E.r.a Real Estate: 9 unique lenders · Phillips 66 Branded Reseller A: 35 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.

Franchise Financing

Need Funding for E.r.a Real Estate or Phillips 66 Branded Reseller A?

PeerSense connects you with 500+ SBA lenders and capital sources. Our referral fee is established upfront and paid at closing.

500+

SBA Lenders & Capital Sources

$0

Retainers or Consulting Fees

SBA 7(a)

10% Down Franchise Loans

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About These Franchises

E.r.a Real Estate

No description available.

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Phillips 66 Branded Reseller A

No description available.

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E.r.a Real Estate vs Phillips 66 Branded Reseller A: Franchise Funding Comparison

Comparing E.r.a Real Estate and Phillips 66 Branded Reseller A is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $22K to $5.0M.

E.r.a Real Estate has 12 SBA loans on record and Phillips 66 Branded Reseller A has 71. 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.

SBA Loan Guide Franchise Funding Options Best SBA Franchise Lenders All Franchises Talk to PeerSense

E.r.a Real Estate vs Phillips 66 Branded Reseller A, Frequently Asked Questions

Which is a better franchise investment, E.r.a Real Estate or Phillips 66 Branded Reseller A?
Compare E.r.a Real Estate vs Phillips 66 Branded Reseller A franchise costs, FDD data, royalty rates, unit counts, and SBA lending history side by side above. The best franchise depends on your capital, market, and risk tolerance, not a single ranking. Use the decision matrix above to see which brand wins on each financing dimension.
How much does a E.r.a Real Estate franchise cost compared to Phillips 66 Branded Reseller A?
E.r.a Real Estate requires $22K to $145K in total initial investment with a $28K franchise fee. Phillips 66 Branded Reseller A requires $785K to $5.0M with a N/A franchise fee. All numbers come from official Franchise Disclosure Document filings.
Can I finance E.r.a Real Estate or Phillips 66 Branded Reseller A with an SBA loan?
Both brands appear on the SBA Franchise Directory and have funded SBA 7(a) loans: E.r.a Real Estate has 12 SBA loans on record; Phillips 66 Branded Reseller A has 71. SBA 7(a) is the most common franchise financing vehicle, offering up to $5M with 10% down. PeerSense routes your deal to lenders who have already approved the brand.
Which has a lower SBA default rate, E.r.a Real Estate or Phillips 66 Branded Reseller A?
E.r.a Real Estate: 25.0% SBA default rate. Phillips 66 Branded Reseller A: 0.0% SBA default rate. Lower default rates mean lenders quote tighter rates and underwrite faster.
Compare E.r.a Real Estate to other franchises Compare Phillips 66 Branded Reseller A to other franchises Browse all Residential Property Managers franchises

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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

Last reviewed LinkedIn profileAbout Edward Freeman