Metro City Bank Empire Petroleum Partners Pe SBA Loans in Texas — 6 Funded
Texas loan data 2019–2022 · Updated June 2026
Metro City Bank has funded 6 SBA loans to Empire Petroleum Partners Pe franchisees in Texas, totaling $9.8M in approved financing across 5 cities and 5 congressional districts.
The average Empire Petroleum Partners Pe loan in Texas from Metro City Bank is $1.6M at a 4.75% average interest rate, with terms averaging 300 months. The Texas default rate is 0% based on 2 resolved loans. Texas represents 100.0% of Metro City Bank's total Empire Petroleum Partners Pe lending nationally. These loans collectively support 12 Texas jobs. SBA-guaranteed portion totals $7.3M (75% of approved volume).
Looking to fund a Empire Petroleum Partners Pe franchise in Texas?
Metro City Bank is one of 3+ lenders who have funded Empire Petroleum Partners Pe in Texas. We can help you compare options and connect with lenders experienced in this brand and state — no retainers, referral fee at closing.
Metro City Bank Empire Petroleum Partners Pe Loan Performance in Texas
Based on 6 SBA loans originated by Metro City Bank for Empire Petroleum Partners Pe franchisees with Texas addresses, the Texas-specific lending relationship spans 2019–2022. Of 2 resolved Texas loans, 2 were paid in full and 0 resulted in chargeoffs.
The Texas loan size range extends from $732K to $3.5M, indicating Metro City Bank funds both smaller single-unit Empire Petroleum Partners Pe operations and larger multi-unit or renovation projects in Texas. Each loan supports an average of 3 jobs in the local economy, and the portfolio collectively supports 12 Texas jobs. Most Texas Empire Petroleum Partners Pe loans from Metro City Bank are classified under "Gasoline Stations with Convenience Stores" (NAICS).
Recent activity: Metro City Bank has originated 0 Empire Petroleum Partners Pe Texas loans in the last 2 fiscal years and 6 since fiscal year 2020. The most recent Empire Petroleum Partners Pe Texas approval recorded is from FY2022. Note: lack of recent activity may indicate Metro City Bank has paused, slowed, or exited Empire Petroleum Partners Pe Texas lending — borrowers should verify current appetite directly.
SBA guarantee profile: The SBA-guaranteed portion of Metro City Bank's Empire Petroleum Partners Pe Texas loans averages 75% of approved volume, totaling $7.3M in federally-backed exposure. 7(a) loans typically carry a 75-85% guarantee, so a higher percentage suggests a smaller-loan/SBA Express mix; lower suggests larger PLP deals where the lender retains more risk.
The 0% Texas default rate is a strong indicator of loan quality. This suggestsMetro City Bank has effective underwriting standards for Empire Petroleum Partners Pe deals in Texas and/or Texas Empire Petroleum Partners Pe franchisees have strong unit economics that support debt service. For prospective Texas borrowers, this is an encouraging signal — Metro City Bankunderstands the Empire Petroleum Partners Pe business model in this market and has a track record of successful outcomes here.
SBA Programs Used for Empire Petroleum Partners Pe Loans in Texas
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 6 | $1.6M | 4.75% | 300 mo |
Empire Petroleum Partners Pe Loan Size Distribution from Metro City Bank in Texas
How Metro City Bank's Empire Petroleum Partners Pe Texas loan sizes break down by deal size. Useful for sizing your own deal: where do most Texas Empire Petroleum Partners Pe approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of Texas Loans |
|---|---|---|---|
| $350K-$750K | 2 | $732K | 33% |
| $750K-$1.5M | 1 | $909K | 17% |
| Over $1.5M | 3 | $2.5M | 50% |
How Metro City Bank Originates Empire Petroleum Partners Pe Loans in Texas
SBA delivery method matters: Preferred Lenders Program (PLP) closes 2-3 weeks faster than General Processing because the lender holds full credit authority. Metro City Bank uses 1 different Texas delivery methods for Empire Petroleum Partners Pe:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| Preferred Lenders Program | 6 | $1.6M |
Where in Texas Metro City Bank Funds Empire Petroleum Partners Pe Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Gainesville | 2 | $732K | $1.5M | N/A |
| Colleyville | 1 | $909K | $909K | N/A |
| Dallas | 1 | $3.5M | $3.5M | 0% — Low Risk |
| Granbury | 1 | $2.1M | $2.1M | 0% — Low Risk |
| Denison | 1 | $1.8M | $1.8M | N/A |
Metro City Bank's strongest Empire Petroleum Partners Pe lending presence in Texas is concentrated in Gainesville (2 loans), Colleyville (1 loans), Dallas (1 loans).
Metro City Bank Empire Petroleum Partners Pe Lending in Texas Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2022 | 3 | $1.2M | $3.6M | 4.67% |
| 2020 | 3 | $2.1M | $6.2M | 4.83% |
Other Lenders That Fund Empire Petroleum Partners Pe in Texas
Metro City Bank is not the only lender funding Empire Petroleum Partners Pe in Texas. Compare 2 other banks who have originated Empire Petroleum Partners Pe SBA loans to Texas borrowers.
| Lender | Texas Loans | Avg Size | Default Rate |
|---|---|---|---|
| Metro City Bank (this page) | 6 | $1.6M | 0% — Low Risk |
| Wallis Bank | 3 | $1.0M | 0% — Low Risk |
| PCB Bank | 2 | $1.2M | 0% — Low Risk |
Other Franchises Metro City Bank Funds in Texas
Metro City Bank is active in Texas franchise lending beyond Empire Petroleum Partners Pe. Other Texas franchise brands they have funded:
How to Get an SBA Loan for a Empire Petroleum Partners Pe Franchise in Texas
If you're considering a Empire Petroleum Partners Pe franchise in Texas and want to finance through Metro City Bank or another SBA lender, here's what you need to know based on our analysis of 6 historical Texas loans.
Verify Your Qualifications
Most SBA franchise loans require a 680+ credit score, 20-30% down payment, and relevant industry or management experience.Empire Petroleum Partners Pe's franchise fee and total investment determine minimum capital requirements.
Compare Texas Lenders
3 lenders have funded Empire Petroleum Partners Pe in Texas. Lenders with more local Empire Petroleum Partners Pe experience typically close faster because they understand both the brand and the local market. Compare rates, default rates, and city coverage above.
Get Pre-Qualified
PeerSense matches Texas borrowers with lenders who have a proven track record funding Empire Petroleum Partners Pe in your state. No retainers — our referral fee is paid at closing. Get matched in 24 hours.
Expected loan terms based on Texas historical data: The average Empire Petroleum Partners Pe SBA loan from Metro City Bank in Texas is $1.6M with a 4.75% interest rate and a 300-month term.Texas loan amounts range from $732K to $3.5M.
Ready to Fund Your Empire Petroleum Partners Pe Franchise in Texas?
We connect you with lenders who have already funded Empire Petroleum Partners Pe in Texas — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.