Shepherd Oil Company LLC (Phil
The total investment to open a Shepherd Oil Company LLC (Phil franchise ranges from $188,000 to $1.9M.
What is the Shepherd Oil Company LLC (Phil franchise?
Shepherd Oil Company LLC (Phil) is a convenience store business selling everyday goods and fuel to customers. The estimated total initial investment is $188,000 to $1,907,200.
The company is headquartered in Ardmore, Oklahoma, and was founded in 1949.
Loan Activity Score
44/100
SBA Default Rate
0.0%
Active Lenders
4
According to its Franchise Disclosure Document or public business records, Shepherd Oil Company LLC (Phil has 4 locations, all owned by franchisees. Public SBA loan records show 4 lenders made 5 loans to franchisees of Shepherd Oil Company LLC (Phil. PeerSense calculates Shepherd Oil Company LLC (Phil's score as 44 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1949 · 4 locations
$188,000 to $1.9M
4
4 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Shepherd Oil Company LLC (Phil
5
Total SBA loans
$953K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Shepherd Oil Company LLC (Phil
Loan Activity Score Breakdown
Emerging (3 to 9 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 10.3% peer avg
SBA Loans
5
Total Volume
$4.8M
Active Lenders
4
States
2
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 Shepherd Oil Company LLC (Phil based on SBA lending data
SBA Default Rate
0.0%
10.3% below peer avg
SBA Loan Volume
5 loans
Across 4 lenders
Lender Diversity
4 lenders
Avg 1.3 loans per lender
Investment Tier
Premium investment
$188,000 to $1,907,200 total
Shepherd Oil Company LLC (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. The best year on record for Shepherd Oil Company LLC (Phil.
Top SBA State
Oklahoma
3 SBA financed Shepherd Oil Company LLC (Phil locations, the densest operator footprint.
Average Loan Size
$953K
Median $659K. Use as a sizing anchor when modeling your own Shepherd Oil Company LLC (Phil unit.
Lender Concentration
80%
Concentrated
Share of Shepherd Oil Company LLC (Phil approvals captured by the top 3 SBA lenders.
Shepherd Oil Company LLC (Phil's SBA lending pipeline peaked in 2021 (2 approvals). The last five fiscal years account for 60% of cumulative volume ($4.3M approved). Operator density is highest in Oklahoma with 3 SBA financed locations. Average funded ticket sits at $953K, with the median at $659K. Lender mix is concentrated: the top three SBA lenders account for 80% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,946
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
Shepherd Oil Company LLC (Phil, unit breakdown
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Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; 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