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Getty Oil

Getty Oil

11 locations

The total investment to open a Getty Oil franchise ranges from $24,900 - $294,700. Getty Oil currently operates 11 locations (11 franchised). The top SBA 7(a) lenders for Getty Oil are Bank of America, Citizens Bank and Shoreham Bank. PeerSense FPI health score: 33/100.

Investment

$24,900 - $294,700

Total Units

11

11 franchised

FPI Score
Medium
33

Proprietary PeerSense metric

Limited
Capital Partners
9lenders available

Active capital sources verified for Getty Oil financing

SBA

7(a) Eligible

21d

Avg Funding

P+2.25%

Best Rate

No retainers · Referral fee at closing

FPI Score Breakdown

Growing (10-24 loans)

Medium Confidence
33out of 100
Limited

SBA Lending Performance

SBA Default Rate

8.3%

1 of 12 loans charged off

SBA Loans

12

Total Volume

$1.7M

Active Lenders

9

States

6

Top SBA Lenders for Getty Oil

What is the Getty Oil franchise?

Getty Oil, a name deeply embedded within the historical fabric of the American petroleum and energy sector, presents a compelling franchise opportunity within the perennially essential category of gasoline stations augmented by convenience stores. The brand's foundational narrative stretches back to an era of burgeoning industrial growth and expanding personal mobility, establishing a formidable legacy of fuel provision that has consistently adapted to the evolving demands of consumers across generations. This rich heritage translates into an inherent brand recognition, offering a distinct advantage in a crowded marketplace where familiarity and trust are invaluable assets. Today, the Getty Oil franchise system strategically operates from its corporate headquarters situated in East Boston, MA, a location that places it within a vibrant economic region characterized by dense population centers and critical transportation arteries. This strategic positioning underscores the brand's commitment to supporting its franchisees within a commercially active environment. The decision to invest in a Getty Oil franchise means aligning with a brand that, while honoring its past, remains acutely focused on its current market relevance, providing indispensable services that are integral to daily life. The core value proposition of a Getty Oil franchise seamlessly combines the critical necessity of fuel distribution with the ever-growing consumer demand for convenient retail solutions. This synergistic business model has consistently demonstrated remarkable resilience across various economic landscapes, proving its enduring viability. Franchisees benefit significantly from the dual revenue streams generated not only from the sale of motor fuels but also from the expansive and diverse product offerings within the convenience store format. This comprehensive approach caters to the immediate needs of a broad spectrum of customers, ranging from daily commuters and long-haul travelers to local residents seeking quick and accessible provisions. The strategic placement of gasoline stations as vital nodes within

FPI Score

33/100

SBA Default Rate

8.3%

Active Lenders

9

Key Highlights

Low SBA default rate (8.3%)

Data Insights

Key performance metrics for Getty Oil based on SBA lending data

SBA Default Rate

8.3%

1 of 12 loans charged off

SBA Loan Volume

12 loans

Across 9 lenders

Lender Diversity

9 lenders

Avg 1.3 loans per lender

Investment Tier

Mid-range investment

$24,900 – $294,700 total

Getty 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

2005

2 approvals — best year on record for Getty Oil.

Top SBA State

Massachusetts

3 SBA-financed Getty Oil locations — the densest operator footprint.

Average Loan Size

$143K

Median $113K — use as a sizing anchor when modeling your own $Getty Oil unit.

Lender Concentration

50%

Concentrated

Share of Getty Oil approvals captured by the top 3 SBA lenders.

Getty Oil's SBA lending pipeline peaked in 2005 (2 approvals). Operator density is highest in Massachusetts with 3 SBA-financed locations. Average funded ticket sits at $143K, with the median at $113K. Lender mix is concentrated: the top three SBA lenders account for 50% of approvals — credit decisions concentrate with a small group of incumbents.

Payment Estimator

Loan Amount$20K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$258

Principal & Interest only

Locations

Getty Oilunit breakdown

Total Units
N/A
Franchisee Owned
System Owned
Closed

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Getty Oil