Phillips 66 Branded Reseller A vs Real Property Management
Phillips 66 Branded Reseller A vs Real Property Management: Phillips 66 Branded Reseller A costs $785K to $5.0M to open; Real Property Management costs $53K to $442K. Phillips 66 Branded Reseller A has 65 units, Real Property Management has 96. SBA loan history: Phillips 66 Branded Reseller A = 71 loans (0.0% default); Real Property Management = 109 loans (2.8% 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.
Phillips 66 Branded Reseller A vs Real Property Management: 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
Real Property Management requires the lower minimum capital commitment ($53K vs $785K for Phillips 66 Branded Reseller A), a 1381% spread.
System Scale & Tenure
On scale, Real Property Management operates 96 units to Phillips 66 Branded Reseller A's 65. Real Property Management has been operating 40 years (founded 1986) versus 14 for Phillips 66 Branded Reseller A (founded 2012), a 26-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Real Property Management has the deeper SBA lending track record, with 109 7(a) approvals compared with 71 for Phillips 66 Branded Reseller A. Phillips 66 Branded Reseller A's peak SBA year was 2021 (16 loans); Real Property Management's peak was 2023 (20 loans). Real Property Management's more recent peak generally indicates fresher lender appetite. Both systems have the most SBA funded units in CA. Borrowers in that state will find the deepest lender familiarity with either brand. Average SBA loan size on funded Phillips 66 Branded Reseller A deals is $2.4M vs $284K for Real Property Management, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Phillips 66 Branded Reseller A and 2.8% for Real Property Management, Phillips 66 Branded Reseller A has the cleaner SBA loss record by 2.8 points. PeerSense FPI scores come in at 60 (Moderate) for Phillips 66 Branded Reseller A and 78 (Strong) for Real Property Management, giving Real Property Management the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 60/100 | 78/100 |
Health Tier | Moderate | Strong |
Confidence | N/A | N/A |
Lending Trend | Declining | Stable |
SBA Lending
SBA Loans | 71 | 109 |
SBA Volume | – | – |
Default Rate | 0.0% | 2.8% |
Peer Tier | established | major |
Investment & Costs
Total Investment | $785K to $5.0M | $53K to $442K |
Franchise Fee | N/A | $54K |
Royalty Rate | N/A | 7% |
Ad Fund | N/A | 1% |
Liquid Capital | N/A | $50K |
Net Worth Required | N/A | $250K |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 65 | 96 |
Franchised Units | 65 | 96 |
Company Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | 2012 | 1986 |
Franchising Since | N/A | 2004 |
Years Franchising | N/A | 22 yrs |
Headquarters | LOS ANGELES, CA | Salt Lake City, UT |
Category | Residential Property Managers | Residential Property Managers |
Website | ||
FDD Year | N/A | 2026 |
Which Is Better, Phillips 66 Branded Reseller A or Real Property Management?
Lower upfront capital required
Tie
Phillips 66 Branded Reseller A: $785K starting · Real Property Management: $53K starting
More SBA lender confidence
Real Property Management
Phillips 66 Branded Reseller A: 71 SBA loans · Real Property Management: 109 SBA loans
Lower SBA default rate
Phillips 66 Branded Reseller A
Phillips 66 Branded Reseller A: 0.0% · Real Property Management: 2.8%
Larger system & brand presence
Tie
Phillips 66 Branded Reseller A: 65 units · Real Property Management: 96 units
More lender financing options
Real Property Management
Phillips 66 Branded Reseller A: 35 unique lenders · Real Property Management: 36 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
Phillips 66 Branded Reseller A vs Real Property Management: Franchise Funding Comparison
Comparing Phillips 66 Branded Reseller A and Real Property Management is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $53K to $5.0M.
Phillips 66 Branded Reseller A has 71 SBA loans on record and Real Property Management has 109. 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.
Phillips 66 Branded Reseller A vs Real Property Management, Frequently Asked Questions
Which is a better franchise investment, Phillips 66 Branded Reseller A or Real Property Management?
How much does a Phillips 66 Branded Reseller A franchise cost compared to Real Property Management?
Can I finance Phillips 66 Branded Reseller A or Real Property Management with an SBA loan?
Which has a lower SBA default rate, Phillips 66 Branded Reseller A or Real Property Management?
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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; it does not lend, fund, or approve loans, and 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