Costa Oil
The total investment to open a Costa Oil franchise ranges from $34,000 to $1.2M. The initial franchise fee is $54,900. Ongoing royalties are 6.5% plus a 1% advertising fee.
What is the Costa Oil franchise?
Costa Oil is an automotive oil change business for drivers who need oil changes and lubrication. The estimated total initial investment is $34,000 to $1,225,000.
The royalty is 6.5 percent of sales. Costa Oil is headquartered in Longview, Texas. The cost figures are from the 2024 Franchise Disclosure Document.
Loan Activity Score
66/100
SBA Default Rate
0.0%
Active Lenders
8
According to its Franchise Disclosure Document or public business records, Costa Oil has 9 locations, all owned by franchisees. Public SBA loan records show 8 lenders made 14 loans to franchisees of Costa Oil. PeerSense calculates Costa Oil's score as 66 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2024 Franchise Disclosure Document.
9 locations
$34,000 to $1.2M
$54,900
9
9 franchised
Proprietary PeerSense metric
StrongDistinct lenders in public SBA records for Costa Oil
14
Total SBA loans
$425K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Costa Oil
Loan Activity Score Breakdown
Growing (10 to 24 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
0.0%
vs 10.8% peer avg
SBA Loans
14
Total Volume
$5.9M
Active Lenders
8
1 selective
States
6
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Costa Oil based on SBA lending data
SBA Default Rate
0.0%
10.8% below peer avg
SBA Loan Volume
14 loans
Across 8 lenders
Lender Diversity
8 lenders
Avg 1.8 loans per lender
Investment Tier
Significant investment
$34,000 to $1,225,000 total
Costa Oil: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2024
8 approvals. The best year on record for Costa Oil.
Top SBA State
Texas
5 SBA financed Costa Oil locations, the densest operator footprint.
Average Loan Size
$425K
Median $250K. Use as a sizing anchor when modeling your own Costa Oil unit.
Lender Concentration
64.3%
Concentrated
Share of Costa Oil approvals captured by the top 3 SBA lenders.
Costa Oil's SBA lending pipeline peaked in 2024 (8 approvals). The last five fiscal years account for 100% of cumulative volume ($5.9M approved). Operator density is highest in Texas with 5 SBA financed locations. Average funded ticket sits at $425K, with the median at $250K. Lender mix is concentrated: the top three SBA lenders account for 64.3% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$352
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Costa Oil, unit breakdown
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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