J.F. Presley Oil Company (Phil
Franchising since 1945 · 4 locations
J.F. Presley Oil Company (Phil currently operates 4 locations (4 franchised). The top SBA 7(a) lenders for J.F. Presley Oil Company (Phil are Midwest Regional Bank, PromiseOne Bank and Metro City Bank. PeerSense FPI health score: 42/100.
4
4 franchised
Proprietary PeerSense metric
FairActive capital sources verified for J.F. Presley Oil Company (Phil financing
SBA
7(a) Eligible
21d
Avg Funding
P+2.25%
Best Rate
No retainers · Referral fee at closing
FPI Score Breakdown
Emerging (3-9 loans)
SBA Lending Performance
SBA Default Rate
0.0%
0 of 4 loans charged off
SBA Loans
4
Total Volume
$5.0M
Active Lenders
3
States
1
Top SBA Lenders for J.F. Presley Oil Company (Phil
What is the J.F. Presley Oil Company (Phil franchise?
Deciding whether to invest in a fuel and convenience retail franchise is one of the most capital-intensive, operationally complex decisions a small business investor can make. The gasoline stations with convenience stores category generated $484.5 billion in total U.S. industry revenue in 2024 and carries a market size of $522.3 billion as of 2025, making it one of the largest retail verticals in the American economy. Inside that massive market, regional and independent petroleum franchise operators occupy a meaningful niche, serving communities that national chains frequently underserve, and Jf Presley Oil Company Phil is one such operator — a Gilmer, Texas-based franchise system that currently operates an all-franchised network of four total units. The brand operates under the website jfpco.com and is categorized in the Gasoline Stations with Convenience Stores segment, placing it directly inside one of the most structurally significant consumer retail categories tracked by PeerSense. While Jf Presley Oil Company Phil does not carry the national name recognition of a Phillips 66, which traces its origins to the founding by brothers Frank and Lee Phillips in Bartlesville, Oklahoma on June 13, 1917, nor the infrastructure scale of JF Petroleum Group, which was founded in 1945 by Garland Jones and Dallas Frank in Norfolk, Virginia and now employs over 1,700 professionals across the U.S., the Jf Presley Oil Company Phil franchise opportunity presents an investment profile that merits serious, data-grounded analysis. The brand holds a Franchise Performance Index score of 42 on PeerSense's proprietary scale, a rating that falls in the Fair category, which signals a developing system with identifiable characteristics that reward careful due diligence. With a 100% franchised operating model — meaning every one of its four units is franchisee-owned, with zero company-owned locations — Jf Presley Oil Company Phil represents a pure franchise model where corporate incentives and franchisee outcomes are inherently aligned around unit-level performance. For investors evaluating fuel and convenience retail in East Texas and surrounding markets, understanding the full financial and operational picture of this brand is essential before committing capital.
The market conditions surrounding the Jf Presley Oil Company Phil franchise opportunity in 2025 and 2026 deserve careful attention because the macro environment for gasoline stations with convenience stores is simultaneously massive and structurally decelerating. The U.S. gasoline stations with convenience stores industry carries a 2025 market size of $522.3 billion, but the growth rate is slightly negative, with the market shrinking by 0.3% in 2025 and projected to contract another 0.4% in 2026. Looking at the five-year compound annual growth rate from 2021 through 2026, the industry has expanded at just 0.6% annually, a rate that trails general retail inflation — suggesting that volume and traffic growth, rather than organic price expansion, will determine which operators outperform. There are 57,197 companies currently competing in this U.S. industry, a number that underscores how fragmented the competitive landscape remains even as national chains consolidate. The transportation sector continues to anchor fuel demand, with the Philippines petroleum market offering a useful international reference point: the transportation sector accounts for over 70.4% of petroleum consumption in that market, a share broadly consistent with North American fuel consumption dynamics driven by vehicle traffic, logistics, and freight. Consumer trends shaping the category include the growing demand for cloud-based and integrated point-of-sale systems — the Fuel and Convenience Store POS market alone is valued at $1.4 billion in 2025 and is projected to reach $10.2 billion by 2035 at a compound annual growth rate of 22%, reflecting how technology investment is becoming a primary competitive differentiator for fuel retailers. For franchise investors evaluating the Jf Presley Oil Company Phil franchise, the industry context suggests that operational efficiency, technology adoption, and local market dominance matter far more than simply riding a rising tide in this category.
Evaluating the investment profile of the Jf Presley Oil Company Phil franchise requires working from both the brand's specific disclosed data and the broader benchmarks for the gasoline stations with convenience stores category, because the brand does not publicly disclose its franchise fee, royalty rate, advertising fund contribution, or investment range at this time. What the brand's current FDD structure does establish is that Jf Presley Oil Company Phil is a fully franchised system — all four of its units are franchisee-operated — which means the franchise agreement structure is the operative mechanism governing franchisee economics. To contextualize what investors should expect when full financial terms are disclosed or discussed, industry benchmarks provide the most reliable framework. Initial franchise fees across the broader franchise industry typically range from $20,000 to $50,000 for retail-format concepts, though petroleum and fuel retail franchises with real estate and equipment components can carry fees at the higher end of that range or beyond. Total investment costs in the fuel and convenience category are typically among the highest in retail franchising, frequently exceeding $100,000 in base form and often stretching into the low millions when land, fuel storage tanks, canopy infrastructure, and point-of-sale systems are included. Industry standard royalty rates range from 4% to 9% of gross sales for most franchise systems, with advertising fund contributions typically running between 1% and 4% of net sales. Franchise investors considering the Jf Presley Oil Company Phil franchise opportunity should request the full Franchise Disclosure Document directly from the franchisor to obtain the current fee schedule, investment range, and ongoing cost structure, and should benchmark those figures against the category norms described above to assess whether the cost of entry represents a fair market rate for the brand's scale, support infrastructure, and market positioning. Financing considerations for petroleum retail concepts often include equipment financing and real estate components that may qualify for SBA-backed lending programs, and veteran incentive programs are worth exploring as a potential cost mitigation pathway for qualifying candidates.
Understanding daily operations is central to evaluating whether the Jf Presley Oil Company Phil franchise is the right operational fit for a prospective investor, and the 100% franchised model indicates that franchisees are expected to be deeply engaged in the day-to-day functioning of their locations. Gasoline stations with convenience stores are operationally demanding businesses: fuel pricing must respond to commodity market fluctuations, inventory management for in-store merchandise runs across hundreds of SKUs, regulatory compliance for underground storage tanks and fuel handling is non-negotiable, and customer service expectations are high given that many consumers visit fuel stations multiple times per week. The staffing model for a fuel and convenience format typically requires a mix of full-time and part-time hourly employees, with labor being one of the most significant controllable cost variables in the business. JF Petroleum Group, a related infrastructure entity in the petroleum services space, operates a 24/7 customer care center providing remote diagnostics and technical service support, and opened a dedicated training center at its Raleigh, North Carolina location in 1990 — this context illustrates the level of technical and operational complexity that characterizes the broader petroleum fueling industry. For Jf Presley Oil Company Phil franchisees, prospective investors should inquire specifically about the training program structure, the duration and location of initial training, the scope of ongoing field support provided by the franchisor, and whether the brand provides proprietary technology platforms for fuel management, POS operations, and inventory control. Territory structure and exclusivity are also critical due diligence items in a system with four current units, since early-stage franchise systems often offer more favorable territory terms to pioneer franchisees who accept higher risk in exchange for better geographic positioning. Whether the brand supports absentee ownership or requires an active owner-operator model will significantly influence the labor and management structure a prospective franchisee needs to budget for from day one.
Item 19 financial performance data is not disclosed in the current Franchise Disclosure Document for Jf Presley Oil Company Phil, which means prospective investors cannot rely on franchisor-provided revenue, median sales, or profitability figures when conducting initial due diligence on this opportunity. This is not an uncommon situation — franchisors are not legally required to provide Financial Performance Representations under FDD regulations, and many early-stage or smaller franchise systems choose not to disclose this data either because their unit count is too small to produce statistically meaningful benchmarks or because the operational variance across locations is high. What investors can do, however, is anchor their financial modeling to industry-level data from the gasoline stations with convenience stores category. The U.S. industry generated $484.5 billion in total revenue in 2024 across approximately 57,197 companies, implying an average revenue per company of approximately $8.5 million — though this figure is skewed heavily by large multi-site operators and should not be used as a per-unit estimate for a small regional system. More relevant benchmarks come from smaller-format independent fuel and convenience operators in regional markets like East Texas, where Gilmer, the headquarters of Jf Presley Oil Company Phil, is located. The broader petroleum market context in the Philippines — where 500,000 barrels per day are consumed and the market is projected to grow at a 4.4% CAGR through 2032 — illustrates that globally, fuel demand tied to transportation and urbanization remains structurally sound even if the U.S. market is experiencing modest near-term volume pressure. Investors evaluating the Jf Presley Oil Company Phil franchise revenue potential should request any available validation data directly from existing franchisees, which the FDD must disclose as a contact list, and should consult with an independent franchise accountant or attorney to build a realistic pro forma for the specific market and format in question.
The growth trajectory of the Jf Presley Oil Company Phil franchise is best understood through the lens of a developing, early-stage regional system operating in a large but slowly growing industry. With four total units, all of which are franchised and none company-owned, the brand is operating at a scale where every new unit represents a meaningful percentage increase in total system size. For context, JF Petroleum Group — a national petroleum infrastructure services company — expanded from 39 branches and 4 distribution centers to 49 branches and 6 distribution centers as of August 2025, opened new locations in Amarillo, Texas, Sanford, Florida, and Caseyville, Illinois in 2025, and acquired Maverick Petroleum Services in Arizona effective August 1, 2025, to achieve statewide coverage in the Southwest. That aggressive growth trajectory from an established petroleum services company illustrates what is possible in the petroleum sector when capital, infrastructure, and operational systems are aligned. For Jf Presley Oil Company Phil, the competitive moat at this stage of development likely derives from local market knowledge, established community relationships in the East Texas region, and the operational experience of its founding team, rather than from national brand recognition or proprietary technology at scale. The Fuel and Convenience Store POS technology market's projected expansion from $1.4 billion in 2025 to $10.2 billion by 2035, driven by cloud-based platform integration, represents both a challenge and an opportunity for smaller franchise systems — those that adopt next-generation technology early will create operational advantages that are difficult for late adopters to replicate. Jf Presley Oil Company Phil investors should assess how the brand is positioning itself on technology adoption, fuel infrastructure modernization, and whether the system has a clear multi-year development plan that will take it beyond its current four-unit footprint into adjacent markets.
The ideal candidate for a Jf Presley Oil Company Phil franchise opportunity is likely a hands-on operator with experience in retail or fuel management, a strong understanding of local market dynamics in East Texas or neighboring markets, and the financial capacity to absorb the upfront capital requirements of a fuel and convenience retail build or conversion. Given that the system currently has four units and is entirely franchisee-operated, the brand profile suggests a preference for owner-operators who are actively engaged in their business rather than passive investors seeking absentee returns, since a small franchise system typically lacks the management infrastructure to support franchisees who are not present in their operations. Multi-unit experience is valuable but may not be a prerequisite at this stage, as the system's small size means that adding even one additional unit meaningfully expands the network. Geographic focus is clearly anchored in the East Texas region given the Gilmer, Texas headquarters, and prospective franchisees should evaluate the competitive landscape for fuel and convenience in their target markets against the 57,197 companies already operating nationally in this category. The franchise agreement term, renewal conditions, and resale provisions are important structural items that prospective investors must review carefully in the full FDD, as these terms govern how long the franchisee relationship lasts, what options exist at the end of the term, and how a franchisee can exit or transfer the business if personal or financial circumstances change. Timeline from signing to opening in the fuel and convenience category can range from several months to over a year depending on permitting, construction, and equipment installation, and investors should build adequate bridge capital into their financial planning to cover this pre-revenue period.
For investors conducting serious due diligence on the Jf Presley Oil Company Phil franchise, the investment thesis centers on a regionally focused, fully franchised, four-unit system operating in one of the largest retail industry categories in the United States, with a market size of $522.3 billion in 2025 and 57,197 companies competing nationally. The brand's FPI score of 42 on the Fair scale reflects a developing system — one where the risk profile is higher than an established national brand, but where early-stage franchise opportunities often carry negotiating advantages on territory, fees, and support terms that are simply unavailable in mature systems. The absence of Item 19 financial disclosure requires prospective investors to do more independent financial modeling and franchisee validation work than they would with a brand that provides full earnings transparency, but it does not in itself indicate poor unit economics — it indicates a system where the investor must do the analytical work rather than relying on disclosed benchmarks. The broader category dynamics, including the $10.2 billion POS technology market projected by 2035 and the 4.4% CAGR forecast for petroleum markets in high-growth geographies, provide macroeconomic context for why fuel and convenience retail continues to attract franchise capital despite near-term U.S. market deceleration. PeerSense provides exclusive due diligence data including SBA lending history, FPI score, location maps with Google ratings, FDD financial data, and side-by-side comparison tools that allow investors to benchmark Jf Presley Oil Company Phil against every other franchise system in the gasoline stations with convenience stores category with precision and independence. Explore the complete Jf Presley Oil Company Phil franchise profile on PeerSense to access the full suite of independent franchise intelligence data and make your investment decision from a position of verified, data-driven insight.
FPI Score
42/100
SBA Default Rate
0.0%
Active Lenders
3
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for J.F. Presley Oil Company (Phil based on SBA lending data
SBA Default Rate
0.0%
0 of 4 loans charged off
SBA Loan Volume
4 loans
Across 3 lenders
Lender Diversity
3 lenders
Avg 1.3 loans per lender
J.F. Presley Oil Company (Phil — 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
2021
2 approvals — best year on record for J.F. Presley Oil Company (Phil.
Top SBA State
Texas
4 SBA-financed J.F. Presley Oil Company (Phil locations — the densest operator footprint.
Average Loan Size
$1.3M
Median $1.1M — use as a sizing anchor when modeling your own $J.F. Presley Oil Company (Phil unit.
Lender Concentration
100%
Concentrated
Share of J.F. Presley Oil Company (Phil approvals captured by the top 3 SBA lenders.
J.F. Presley Oil Company (Phil's SBA lending pipeline peaked in 2021 (2 approvals). The last five fiscal years account for 50% of cumulative volume ($2.0M approved). Operator density is highest in Texas with 4 SBA-financed locations. Average funded ticket sits at $1.3M, with the median at $1.1M. Lender mix is concentrated: the top three SBA lenders account for 100% of approvals — credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$5,176
Principal & Interest only
Locations
J.F. Presley Oil Company (Phil — unit breakdown
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