Itrip Vacations vs Phillips 66 Branded Reseller A
Itrip Vacations vs Phillips 66 Branded Reseller A: Itrip Vacations costs $50K–$578K to open; Phillips 66 Branded Reseller A costs $785K–$5.0M. Itrip Vacations has 25 units, Phillips 66 Branded Reseller A has 65. SBA loan history: Itrip Vacations = 30 loans (13.3% default); Phillips 66 Branded Reseller A = 71 loans (0.0% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
Itrip Vacations vs Phillips 66 Branded Reseller A: Capital, Scale & Lending Analysis
Data-driven differentiation pulled from 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
Itrip Vacations requires the lower minimum capital commitment ($50K vs $785K for Phillips 66 Branded Reseller A), a 94% spread.
System Scale & Tenure
On scale, Phillips 66 Branded Reseller A operates 65 units to Itrip Vacations's 25, roughly 3× the system size. Itrip Vacations has been operating 18 years (founded 2008) versus 14 for Phillips 66 Branded Reseller A (founded 2012), a 4-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Phillips 66 Branded Reseller A has the deeper SBA lending track record with 71 historical 7(a) approvals versus 30 for Itrip Vacations. Itrip Vacations's peak SBA year was 2022 (6 loans); Phillips 66 Branded Reseller A's peak was 2021 (16 loans). Itrip Vacations's more recent peak generally indicates fresher lender appetite. Geographically, Itrip Vacations concentrates in FL (10 SBA-funded units) while Phillips 66 Branded Reseller A leads in CA (37). Pick the brand whose strongest state matches yours for warmest lender introductions. Average SBA loan size on funded Itrip Vacations deals is $219K 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 13.3% for Itrip Vacations and 0.0% for Phillips 66 Branded Reseller A, Phillips 66 Branded Reseller A has the cleaner historical loss profile by 13.3 points. PeerSense FPI scores come in at 65 (Strong) for Itrip Vacations and 60 (Moderate) for Phillips 66 Branded Reseller A, giving Itrip Vacations the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 65/100 | 60/100 |
Health Tier | Strong | Moderate |
Confidence | N/A | N/A |
Lending Trend | Growing | Declining |
SBA Lending
SBA Loans | 30 | 71 |
SBA Volume | – | – |
Default Rate | 13.3% | 0.0% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $50K – $578K | $785K – $5.0M |
Franchise Fee | $50K | N/A |
Royalty Rate | N/A | N/A |
Ad Fund | 1% | 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 | 25 | 65 |
Franchised Units | 25 | 65 |
Company-Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 2008 | 2012 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | Saint Petersburg, FL | LOS ANGELES, CA |
Category | Residential Property Managers | Residential Property Managers |
Website | ||
FDD Year | 2025 | N/A |
Which Is Better, Itrip Vacations or Phillips 66 Branded Reseller A?
Lower upfront capital required
Itrip Vacations
Itrip Vacations: $50K starting · Phillips 66 Branded Reseller A: $785K starting
More SBA lender confidence
Phillips 66 Branded Reseller A
Itrip Vacations: 30 SBA loans · Phillips 66 Branded Reseller A: 71 SBA loans
Lower historical default rate
Phillips 66 Branded Reseller A
Itrip Vacations: 13.3% · Phillips 66 Branded Reseller A: 0.0%
Larger system & brand presence
Phillips 66 Branded Reseller A
Itrip Vacations: 25 units · Phillips 66 Branded Reseller A: 65 units
More lender financing options
Phillips 66 Branded Reseller A
Itrip Vacations: 10 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.
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About These Franchises
Itrip Vacations vs Phillips 66 Branded Reseller A: Franchise Funding Comparison
Comparing Itrip Vacations 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 $50K to $5.0M.
Both brands have active SBA lending histories, Itrip Vacations with 30 SBA loans and Phillips 66 Branded Reseller A with 71. This means proven lender acceptance and established underwriting paths for franchise buyers.
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.
Itrip Vacations vs Phillips 66 Branded Reseller A, Frequently Asked Questions
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